For those of you unaware of what long term care insurance is, here is a quick rundown. This is a type of insurance that can pay for medical expenses that arise beyond the typical medical or nursing expenditures. It normally is used for people who have long term medical disabilities.
Costs outside of medical and nursing expenditures can increase very quickly and overwhelm any person without significant resources. That is where long term care insurance comes into the picture. An example of different things long term care insurance could pay for might include: help around the house to do activities you cannot do because of your long term disabilities or potentially a nurse who may have to work at your home.
You need to think about this before you start to get the later stages of your life. Many people may only think about long term care insurance when they actually need it. You may not necessarily be approved for it if you are going to start using it immediately. It is probably best if you apply for this when you are in the 40-50 year old range. Your premiums will be much lower and your approval is much higher at this point than when you are in the later stages of life.
You need to decide when buying a policy whether you will want to have home care coverage or nursing home coverage. Some policies may offer multiple ways to cover where you will be taken care of.
You then need to think about whether you want a certain coverage that is dictated by a maximum per month or per day. These amounts will vary and can determine what kind of coverage you can receive if you use the long term care insurance later in your life.
You also have to think about how long you want the policy to last for. Some will have only certain time spans such as a year or two years while some can last for an entire lifetime. The long term care insurance that lasts for an entire lifetime will normally have higher premiums that come with it as well.
What kind of a waiting period will you have before you can start using benefits? This may determine the policy that you buy if you need to start using the benefits at a certain period. Some policies have no waiting period while there is a waiting period with others.
You need to think about whether there is any inflation protection that is offered as well. Health care costs have gone up significantly in the past decade or longer. If you are buying the policy in your early forties and may not use it till you are seventy, think about how little your policy will cover if there is no inflation protection.
Long term care insurance can be a great way to supplement other types of insurance that do not normally cover certain expenses. It can be a complicated topic so take your time to do your research before you decide to buy a certain policy.
Wednesday, April 29, 2009
Sunday, April 26, 2009
How To Define An Insurance Deductible by Graham McKenzie
Copyright (c) 2009 Graham McKenzie
All insurance policies should be understood properly by the payer. Sometimes this can be challenging because of the amount of information contained. Any thing that is not understood, should be explained by the insurance agent, before a payment is made.
While dissecting a possible policy. Pay utmost attention to what will have to paid by the insured besides the premium. This is considered the deductible or excess amount. When this fixed fee seems too high, the applicant is able to design a coverage that suits better.
An example to communicate the importance of the amount of insurance excess is the following. An applicant wants insurance on a 2,500 USD vehicle. There is an accident causing 400USD worth of damage. When the policy is checked, the excess or deductible is 300 USD. The insured policy holder would pay 300USD, and the insurance company would pay 100USD. The insured would have to make the decision as to whether reporting this accident would be wise.
It is urgent to make sure the insured will benefit financially from an accident. Use common sense when deciding if reporting an accident to your insurance company, is a wise decision. It may be a better financial decision to repair the vehicle on your own, or continue to operate it with a dent or two. Filling out a claim, will commonly increase the price of an insurance policy.
There are benefits for not reporting every little fender bender. This is a reward for keeping a safe driving record, and choosing a wise alternative. Either a lower premium, or a check from the insurance company is used.
When reviewing a policy there will be several types of deductibles. There is one that is a base across the board for every insured consumer that chooses the company. The others are used as a method to raise the amount the insured is responsible for, in order to decrease the monthly amount paid.
Sometimes the decision of increasing your insurance excess is not always yours to make. When a new driver is added to a policy, the risk level increases and an extra amount will be added to the original deductible. Another example limiting the choice in this matter, is attempting to add an individual that constantly violates traffic laws, or has frequent accidents.
In summary, deductibles and excesses are explained in the policy. The choice to evaluate, and amend this amount to be more than the normal amount, is up to you.
All insurance policies should be understood properly by the payer. Sometimes this can be challenging because of the amount of information contained. Any thing that is not understood, should be explained by the insurance agent, before a payment is made.
While dissecting a possible policy. Pay utmost attention to what will have to paid by the insured besides the premium. This is considered the deductible or excess amount. When this fixed fee seems too high, the applicant is able to design a coverage that suits better.
An example to communicate the importance of the amount of insurance excess is the following. An applicant wants insurance on a 2,500 USD vehicle. There is an accident causing 400USD worth of damage. When the policy is checked, the excess or deductible is 300 USD. The insured policy holder would pay 300USD, and the insurance company would pay 100USD. The insured would have to make the decision as to whether reporting this accident would be wise.
It is urgent to make sure the insured will benefit financially from an accident. Use common sense when deciding if reporting an accident to your insurance company, is a wise decision. It may be a better financial decision to repair the vehicle on your own, or continue to operate it with a dent or two. Filling out a claim, will commonly increase the price of an insurance policy.
There are benefits for not reporting every little fender bender. This is a reward for keeping a safe driving record, and choosing a wise alternative. Either a lower premium, or a check from the insurance company is used.
When reviewing a policy there will be several types of deductibles. There is one that is a base across the board for every insured consumer that chooses the company. The others are used as a method to raise the amount the insured is responsible for, in order to decrease the monthly amount paid.
Sometimes the decision of increasing your insurance excess is not always yours to make. When a new driver is added to a policy, the risk level increases and an extra amount will be added to the original deductible. Another example limiting the choice in this matter, is attempting to add an individual that constantly violates traffic laws, or has frequent accidents.
In summary, deductibles and excesses are explained in the policy. The choice to evaluate, and amend this amount to be more than the normal amount, is up to you.
Saturday, April 25, 2009
State Farm Insurance Company by Brian Park
State Farm Mutual Automobile Insurance Company, with its headquarters at Bloomington in Illinois is a mutual insurance firm that also owns the other State Farm companies and is in turn owned by the State Farm Insurance Company, which is a group of insurance and financial services companies. State Farm Mutual Automobile Insurance Company was founded on June 7, 1922, by George J. Mecherle, who was a retired farmer. The company initially concentrated on meeting auto insurance needs of farmers in Illinois through a mutual organization owned by the clients. Mecherle, the founder of the company, believed that farmers drive less than city drivers and hence should be allowed to pay less for insurance since the losses they had was fewer. The idea was accepted well by the farmer community and hence the popularity of the firm increased rapidly. In 1942, the company became the nation's largest auto insurer and from then on, the company has held on to that rank. According to statistics, about one out of every five cars on the road is insured with State Farm Automobile Insurance Company. Since then, State Farm has expanded its services into other popular types of insurance.
State Farm now has about 67,000 employees and 17,000 agents servicing 77 million policies in the United States and Canada, and have more than 1.9 million bank accounts served by their client base. State Farm is insuring about 40 million vehicles and the company announced last year that it will pay $1.25 billion in dividends to its mutual auto insurance policyholders. Edward B. Rust, Jr. is chairman of the board and chief executive officer of State Farm Mutual Automobile Insurance Company, and president and chief executive officer of State Farm Fire and Casualty Company, State Farm Life Insurance Company, and other principal State Farm affiliates. Edward B. Rust, Jr. holds these positions since 1885, succeeding his late father Edward B. Rust, Sr. Mr.Rust is a graduate of Illinois Wesleyan University in Bloomington, and holds master of business degree from Southern Methodist University, Dallas, Texas.
The company prescribes a "code of conduct" for its employees, which summarises the Company policies, rules, and guidelines. It helps the employees in decision making and to make the right choices. A strict "code of conduct" doesn't mean the employees are under any sort of strain because if we consider the awards and recognition, State Farm is a great place to work. State Farm was ranked among the "40 Best Companies for Diversity" and "15 Best in Marketing Diversity" in Black Enterprise Magazine's 2007 rankings. In 1986 the company had passed the 100$ billion mark, almost doubling the figure in five years. State Farm went online in 1895, thus joining the internet revolution. In 1999, the 70th anniversary of the Company was celebrated in a grand way as the agents wrote a total of 1 million life insurance applications that year. The Good Neighbour Grant Program was introduced by state Farm in 2000 and was a huge success. A facility to serve Canadian customers was opened in Toronto in 2006 and the same year promoted a feature film -- the Disney/Pixar animated feature film, CARS.
State Farm now has about 67,000 employees and 17,000 agents servicing 77 million policies in the United States and Canada, and have more than 1.9 million bank accounts served by their client base. State Farm is insuring about 40 million vehicles and the company announced last year that it will pay $1.25 billion in dividends to its mutual auto insurance policyholders. Edward B. Rust, Jr. is chairman of the board and chief executive officer of State Farm Mutual Automobile Insurance Company, and president and chief executive officer of State Farm Fire and Casualty Company, State Farm Life Insurance Company, and other principal State Farm affiliates. Edward B. Rust, Jr. holds these positions since 1885, succeeding his late father Edward B. Rust, Sr. Mr.Rust is a graduate of Illinois Wesleyan University in Bloomington, and holds master of business degree from Southern Methodist University, Dallas, Texas.
The company prescribes a "code of conduct" for its employees, which summarises the Company policies, rules, and guidelines. It helps the employees in decision making and to make the right choices. A strict "code of conduct" doesn't mean the employees are under any sort of strain because if we consider the awards and recognition, State Farm is a great place to work. State Farm was ranked among the "40 Best Companies for Diversity" and "15 Best in Marketing Diversity" in Black Enterprise Magazine's 2007 rankings. In 1986 the company had passed the 100$ billion mark, almost doubling the figure in five years. State Farm went online in 1895, thus joining the internet revolution. In 1999, the 70th anniversary of the Company was celebrated in a grand way as the agents wrote a total of 1 million life insurance applications that year. The Good Neighbour Grant Program was introduced by state Farm in 2000 and was a huge success. A facility to serve Canadian customers was opened in Toronto in 2006 and the same year promoted a feature film -- the Disney/Pixar animated feature film, CARS.
Thursday, April 23, 2009
Daily Time Software: Maximizing Your Man Power by Joseth Pauline
The most exhausting process in a business is the payroll management. A lot of companies have a department to this messy job, some are outsourcing to make this job done. Making the payroll is really very difficult and you may need hardworking personnel for this department. It include calculation of wage of the employees, gathering information of the employees' daily time record, sick leave, bonuses, holidays, vacation leave and other factors that affects employees' monthly salary. Of course before getting the final computation of the employee there are certain deductions needed to include such as medical insurance, social security taxes, pension plans and other deductions. In short, calculating an individual's total salary for the month may take lots of time to make it done.
But the good news about it is that there are lots of payroll software that can give you a hand with this paper works and exhausting job. This system will help you do the long process of computing the salary of the employees. In the system it includes daily time software that will keep you track of the hourly time worked of your employees. The system will automate the entire process that includes, gathering data of time worked, rate per hour, deductions and print it out with the monthly salary without any error. This process usually can be done 15 minutes.
You can have a lot of benefits using daily time software; it can lower your operating cost doing the payroll process. Imagine how many employees you need to hire doing this messy job, while in using the system you may need few personnel to do the task. Daily time software automates a lot of manual process and make use out of your employees doing different tasks.
But the good news about it is that there are lots of payroll software that can give you a hand with this paper works and exhausting job. This system will help you do the long process of computing the salary of the employees. In the system it includes daily time software that will keep you track of the hourly time worked of your employees. The system will automate the entire process that includes, gathering data of time worked, rate per hour, deductions and print it out with the monthly salary without any error. This process usually can be done 15 minutes.
You can have a lot of benefits using daily time software; it can lower your operating cost doing the payroll process. Imagine how many employees you need to hire doing this messy job, while in using the system you may need few personnel to do the task. Daily time software automates a lot of manual process and make use out of your employees doing different tasks.
Tuesday, April 21, 2009
Cheap contract phones: get the latest within your reach by Merry Andrew
Mobile phones are loved by all as they have facilitated us to a great extent. For some keeping a mobile phone is passion, for some it's a basic necessity or status symbol for a few. Different people have different purposes or reason for buying them with a basic or primary reason being communication needs. Now days mobile phone sort both your communication and entertainment needs well. If you are worried about the high prices then we have an alternative for you also. Yes! Cheap contract phones are an option for you if you are looking for phone that comes at pocket friendly prices.
All leading mobile phone brands offer cheap contract phones. Leading handset manufactures such as LG, Samsung, Nokia, Sony Ericsson, O2, HTC and many other can be selected from. You can select a handset that is within your budget and fits your requirement well. But if you want a high end phone with all latest features then you may have to go little high with your budget. A high end phone will feature high resolution camera, FM radio, music player, extraordinary messaging services, Bluetooth, JAVA, WAP latest and advanced services. So, if you can go little high then these will be the best option to try!
Cheap contract phones are for those looking for a long term mobile phone deal with a specific network provider. To entail or get contract phones you have to sign a contract for 12-18 months or even more with a particular network provider. During the period of contract you can not change the network provider. But if you want to switch over to some other service provider then you can but at the maturity of your contract.
Now you can grab contract phones with various added benefits like extra talktime, free text messages, free ring tones, games, free line rental, discounted call rates, cash back and free mobile insurance. If you are worried that do you have to compromise with the network services to get these free benefits, then you are absolutely wrong! All leading network service providers are offering these cheap deals. You can get the service of Vodafone, Virgin, 3 mobile, T mobile and O2 whichever you find best. Also you can select from array of tariff plans the one that is much affordable and is best.
All leading mobile phone brands offer cheap contract phones. Leading handset manufactures such as LG, Samsung, Nokia, Sony Ericsson, O2, HTC and many other can be selected from. You can select a handset that is within your budget and fits your requirement well. But if you want a high end phone with all latest features then you may have to go little high with your budget. A high end phone will feature high resolution camera, FM radio, music player, extraordinary messaging services, Bluetooth, JAVA, WAP latest and advanced services. So, if you can go little high then these will be the best option to try!
Cheap contract phones are for those looking for a long term mobile phone deal with a specific network provider. To entail or get contract phones you have to sign a contract for 12-18 months or even more with a particular network provider. During the period of contract you can not change the network provider. But if you want to switch over to some other service provider then you can but at the maturity of your contract.
Now you can grab contract phones with various added benefits like extra talktime, free text messages, free ring tones, games, free line rental, discounted call rates, cash back and free mobile insurance. If you are worried that do you have to compromise with the network services to get these free benefits, then you are absolutely wrong! All leading network service providers are offering these cheap deals. You can get the service of Vodafone, Virgin, 3 mobile, T mobile and O2 whichever you find best. Also you can select from array of tariff plans the one that is much affordable and is best.
Finding a Panic Attack Treatment That Works . by Gregory Castro
Finding a successful panic attack treatment can be a long and nerve-wrangling journey for people who are dealing with this enfeebling disorder. Panic attacks are infamously not easy to treat because doctors are not completely sure if the disorder is chemical, mental or a combination of both. What doctors do know however is that it takes a multifaceted approach to discover a solution that works for people who are afflicted by panic attacks.The initial step for most people seeking panic attack treatment is to discuss their problem with a psychiatrist. Psychiatrists are quite pricey and not necessarily covered under Medical Insurance. The other problem lays in the fact that psychiatry doesn't fix everyone's problems. It works for some folk, it does not work for others.When this fails doctors usually next turn to medicine to try to correct the disorder. Much like psychiatrists medicine does not work for everyone. The main point is, don't be deterred. Millions of folk have to cope with panic attacks each year, and every year, and each and every one of them who are looking for treatment had to go of the process of trying different things until they find something that works. The main point is to never give up. If you are looking for a few to a couple of the more conventional treatments The stress Release Methodology offers inventive solutions for folk afflicted by panic attacks.
Sunday, April 19, 2009
Texas Auto Insurance by Dirk Fox
Owning a collectible car may be a matter of pride for some; however, it also is an investment. To protect that investment, collector car insurance is a much needed necessity. Since the repair and replacemnt of a collectible car can be cost prohibitive, a collector car insurance policy will financially save you in the event you fall victim to theft, an accident or damage.Collector car insurance differs greatly from regular car insurance. As such an insurance carrier has certain provisions that must be met prior to issuing a policy. The most important requirements are the drivers age and qualifications, the age of the car, and mileage limitations. There also is an insistence by the insurance provider that the car is garage kept and well secured when not in use.Limits on miles driven per year is usually no more than 5,000, although some companies have provisions for excess miles. A further restriction on mileage driven is that a car can not be used for commercial purposes or for daily commutes, however, a collector car insurance policy does allow the car to be driven to car shows and related activities. Auto Insurance TexasAnother restriction on collector car insurance is the age of the car. The majority of companies require the car to be at least 15 years old. Although some companies will set this number higher at 25 and occasionally at 35. Collector car insurance companies will require certain driver qualifications before a policy can be issued. The overwhelming numbers of insurers require a minimum age of 25 with at least 9 years of driving experience. Some providers also require a clean driving record.Once you meet the stipulations for your collector car insurance, you and the insurers agent will negotiate the car's agreed upon value. In a collector policy, the value of the vehicle is determined by an agreement between you and the insurer, unlike a regular policy which uses fair market value. This amount, when agreed on between the insurance company and you, is the set amount that will be paid in case the car is a total loss as a result of a covered incident. auto insurance texasSelecting a well qualified insurance company for your collector car insurance is a necessity to protect your investment. Several companies specialize in the writing of collector car insurance policies, and it is best to choose one of these providers as opposed to selecting any insurance company. You will find it is the best policy for your investment
Saturday, April 18, 2009
Planning for the Perfect Hawaiian Beach Wedding by Howie Welfeld
12 Months Before:
1.) Set the date. Remember you may not be able to get the location that you want, if it is already booked, so flexibility here is really essential.
2.) Choose the beach. One thing to keep in mind - all beaches in Hawaii are open to the public. Many Hawaii wedding companies advertize "private beaches" but beware ... they really don't exist. Your "private" ceremony may not be as private as you'd like. However, that doesn't mean you can't find a secluded location. It just means you'll have to look harder. Here's where a savvy wedding coordinator can help, or extensive online research. Be sure to check with the Parks and Recreation Department for any regulations or prohibitions relating to your chosen beach location. Some things to ask might be: Are you permitted to section off an area? How late can you stay? Can you set up a tent and rentals (tables, chairs, etc.)? Can you have candles or torches on the beach? Can you play music into the night? Is there an area nearby for open fires should you choose to barbeque? What type of beverages can be served? Is glass permitted, or is plastic required? What facilities are nearby to use as Plan B should Hawaii's tropical rains dampen the day?
3.) Decide on a budget.
4.) Determine your wedding party. Selecting the members of the wedding party now will allow everyone enough time to plan travel, time off from work or studies, and any other arrangements necessary for them to accompany you to Hawaii. Witnesses are NOT required by law in Hawaii, so if you can't afford or can't arrange for anyone to join you, don't worry. They are not necessary.
5.) Begin to shop for a dress. Beach weddings in Hawaii can be as formal or as informal as you'd like. Remember that most days are very warm, so a sun dress or lightweight gown will be quite appropriate. Traditional wedding attire in Hawaii is white, off-white or pastel for the bride and ladies of the party. White shirts, slacks or shorts and colored sashes are worn by the groom and his gentlemen. You may wish to shop online from Hawaiian retailers for more authentic apparel. If you are not a "traditional" type person, consider wearing color. Colors always add snap to photographs - and your photographer will love you. Keep in mind that high heels are downright dangerous in the sand, so choose flats or even bare feet for your beach wedding.
6.) Choose and purchase invitations and other stationery.
6 -10 Months Before
1.) Send invitations to all those traveling to Hawaii with you.
2.) Make your reception plans. Here again, a local wedding coordinator may be necessary. You can opt for a simple barbecue on the sand, or something more formal at your hotel or a banquet facility, or anything in between. All the restaurants in Hawaii are accustom to accommodating wedding parties.
3.) Purchase wedding attire.
4.) Make your honeymoon plans and arrangements.
4 to 6 Months Before
1.) Arrange accommodations for out-of-town guests. A good tip is to arrive two or three days prior to the ceremony, to allow time to adjust, recover from jetlag, and scope out the wedding site. It also gives you plenty of time to deal with any last minute complications or unexpected problems.
2.) Order the wedding cake.
3.) Hire your limousines, cars or other transportation to take you to and from the wedding site and reception. Again, your wedding provider can probably help.
4.) Make all the necessary arrangements for a rehearsal dinner, if having one. This is traditionally the responsibility of the groom and his family.
3 Months Before
1.) Arrange for ceremony and reception musicians. For a truly traditional island wedding, go for a hula dancer or even a full Hawaiian ensemble of dancers and drummers.
2.) Purchase gifts for attendants.
3.) Schedule your appointment with a stylist for hair and make-up. Remember that Hawaii's beaches are breezy, due to the trade winds. Hair, veils, ribbons and other "loose" items can and will get buffeted about by the breeze. Keep this in mind when choosing hair styles and accessories. Also, be aware there are makeup artists specializing in preparing you for photography. This is a very different art form.
4.) Plan and make arrangements for a bridal luncheon, breakfast or "hen night."
5.) Order flowers. Traditionally, brides wear a haku lei - a circle of flowers in their hair - a lei of blossoms around their necks, and may carry a bouquet. An ankle lei may be appropriate if wearing a shorter gown and going barefoot. For the groom, a maile lei of leaves intertwined with blossoms. It is also traditional for the bride and groom to present their parents and other important members of the wedding party with leis.
6.) Finalize all travel plans.
2 Months Before
1.) Have your final gown fitting.
2.) Call or email with your vendors and officiate to finalize all plans and arrangements.
3.) Take care of all necessary business and legal arrangements. Open a joint checking account, make changes to insurance policies, wills, etc.
4.) Arrange for transport to the airport before your wedding and for the day you return home.
5.) Purchase wedding rings to allow time for re-sizing or engraving.
3 to 4 Weeks Before
1.) Contact any guests who have not responded. Once this has been done, call, email or meet with caterer to finalize reception, rehearsal dinner, bridal luncheon or breakfast and any other catered affairs.
2.) Finalize seating arrangement for reception.
2 Weeks Before
1.) Gather all necessary documentation for travel. In addition to your tickets and passport, don't forget vouchers for wedding services, car rental, and hotel reservations. Pack these in your carry on, just in case your luggage is lost or delayed by the airline.
2.) Make sure that everyone has their wedding attire, has had their final fittings and are ready to go with any readings, special tasks, etc. that you'd like them to do as part of your ceremony.
7 Days Before
1.) Make final check on everything - vendors, reservations, officiate, honeymoon, caterer, florist, everyone involved.
2.) Pack for your trip. It may be a good idea to pack your wedding attire and wedding rings in your carry on, to avoid the possibility of lost or re-routed luggage.
3 Days Before
1.) Arrive at your hotel.
2.) Obtain your marriage certificate.
3.) Let your officiate and coordinator know you have arrived.
1 Day Before
1.) Greet all your out-of-town guests.
2.) Get your nails done.
3.) Attend rehearsal.
4.) Attend rehearsal dinner and "hen night" if having one.
5.) Make sure Plan B is in place should weather threaten to dampen the day.
Day of Wedding
1.) Have your hair and make-up done.
2.) Allow 3 hours for dressing and relaxing before ceremony.
3.) Enjoy your special day!
About the Author
Plan your hawaii wedding package on the white sand beach across from Pukalani Falls. Visit Rev./Capt. Howie Welfeld online at http://www.hawaiiweddings.com/ for all the details to planning a spiritual and unique wedding.
1.) Set the date. Remember you may not be able to get the location that you want, if it is already booked, so flexibility here is really essential.
2.) Choose the beach. One thing to keep in mind - all beaches in Hawaii are open to the public. Many Hawaii wedding companies advertize "private beaches" but beware ... they really don't exist. Your "private" ceremony may not be as private as you'd like. However, that doesn't mean you can't find a secluded location. It just means you'll have to look harder. Here's where a savvy wedding coordinator can help, or extensive online research. Be sure to check with the Parks and Recreation Department for any regulations or prohibitions relating to your chosen beach location. Some things to ask might be: Are you permitted to section off an area? How late can you stay? Can you set up a tent and rentals (tables, chairs, etc.)? Can you have candles or torches on the beach? Can you play music into the night? Is there an area nearby for open fires should you choose to barbeque? What type of beverages can be served? Is glass permitted, or is plastic required? What facilities are nearby to use as Plan B should Hawaii's tropical rains dampen the day?
3.) Decide on a budget.
4.) Determine your wedding party. Selecting the members of the wedding party now will allow everyone enough time to plan travel, time off from work or studies, and any other arrangements necessary for them to accompany you to Hawaii. Witnesses are NOT required by law in Hawaii, so if you can't afford or can't arrange for anyone to join you, don't worry. They are not necessary.
5.) Begin to shop for a dress. Beach weddings in Hawaii can be as formal or as informal as you'd like. Remember that most days are very warm, so a sun dress or lightweight gown will be quite appropriate. Traditional wedding attire in Hawaii is white, off-white or pastel for the bride and ladies of the party. White shirts, slacks or shorts and colored sashes are worn by the groom and his gentlemen. You may wish to shop online from Hawaiian retailers for more authentic apparel. If you are not a "traditional" type person, consider wearing color. Colors always add snap to photographs - and your photographer will love you. Keep in mind that high heels are downright dangerous in the sand, so choose flats or even bare feet for your beach wedding.
6.) Choose and purchase invitations and other stationery.
6 -10 Months Before
1.) Send invitations to all those traveling to Hawaii with you.
2.) Make your reception plans. Here again, a local wedding coordinator may be necessary. You can opt for a simple barbecue on the sand, or something more formal at your hotel or a banquet facility, or anything in between. All the restaurants in Hawaii are accustom to accommodating wedding parties.
3.) Purchase wedding attire.
4.) Make your honeymoon plans and arrangements.
4 to 6 Months Before
1.) Arrange accommodations for out-of-town guests. A good tip is to arrive two or three days prior to the ceremony, to allow time to adjust, recover from jetlag, and scope out the wedding site. It also gives you plenty of time to deal with any last minute complications or unexpected problems.
2.) Order the wedding cake.
3.) Hire your limousines, cars or other transportation to take you to and from the wedding site and reception. Again, your wedding provider can probably help.
4.) Make all the necessary arrangements for a rehearsal dinner, if having one. This is traditionally the responsibility of the groom and his family.
3 Months Before
1.) Arrange for ceremony and reception musicians. For a truly traditional island wedding, go for a hula dancer or even a full Hawaiian ensemble of dancers and drummers.
2.) Purchase gifts for attendants.
3.) Schedule your appointment with a stylist for hair and make-up. Remember that Hawaii's beaches are breezy, due to the trade winds. Hair, veils, ribbons and other "loose" items can and will get buffeted about by the breeze. Keep this in mind when choosing hair styles and accessories. Also, be aware there are makeup artists specializing in preparing you for photography. This is a very different art form.
4.) Plan and make arrangements for a bridal luncheon, breakfast or "hen night."
5.) Order flowers. Traditionally, brides wear a haku lei - a circle of flowers in their hair - a lei of blossoms around their necks, and may carry a bouquet. An ankle lei may be appropriate if wearing a shorter gown and going barefoot. For the groom, a maile lei of leaves intertwined with blossoms. It is also traditional for the bride and groom to present their parents and other important members of the wedding party with leis.
6.) Finalize all travel plans.
2 Months Before
1.) Have your final gown fitting.
2.) Call or email with your vendors and officiate to finalize all plans and arrangements.
3.) Take care of all necessary business and legal arrangements. Open a joint checking account, make changes to insurance policies, wills, etc.
4.) Arrange for transport to the airport before your wedding and for the day you return home.
5.) Purchase wedding rings to allow time for re-sizing or engraving.
3 to 4 Weeks Before
1.) Contact any guests who have not responded. Once this has been done, call, email or meet with caterer to finalize reception, rehearsal dinner, bridal luncheon or breakfast and any other catered affairs.
2.) Finalize seating arrangement for reception.
2 Weeks Before
1.) Gather all necessary documentation for travel. In addition to your tickets and passport, don't forget vouchers for wedding services, car rental, and hotel reservations. Pack these in your carry on, just in case your luggage is lost or delayed by the airline.
2.) Make sure that everyone has their wedding attire, has had their final fittings and are ready to go with any readings, special tasks, etc. that you'd like them to do as part of your ceremony.
7 Days Before
1.) Make final check on everything - vendors, reservations, officiate, honeymoon, caterer, florist, everyone involved.
2.) Pack for your trip. It may be a good idea to pack your wedding attire and wedding rings in your carry on, to avoid the possibility of lost or re-routed luggage.
3 Days Before
1.) Arrive at your hotel.
2.) Obtain your marriage certificate.
3.) Let your officiate and coordinator know you have arrived.
1 Day Before
1.) Greet all your out-of-town guests.
2.) Get your nails done.
3.) Attend rehearsal.
4.) Attend rehearsal dinner and "hen night" if having one.
5.) Make sure Plan B is in place should weather threaten to dampen the day.
Day of Wedding
1.) Have your hair and make-up done.
2.) Allow 3 hours for dressing and relaxing before ceremony.
3.) Enjoy your special day!
About the Author
Plan your hawaii wedding package on the white sand beach across from Pukalani Falls. Visit Rev./Capt. Howie Welfeld online at http://www.hawaiiweddings.com/ for all the details to planning a spiritual and unique wedding.
How to Effectively Fade Liver Spots by Laurel Levine
Are you just plain fed up with skin discolorations? In this article, you can learn how to fade liver spots, but first, it is important to learn what causes them. They are not actually related to the health of the liver, as it was one-time believed. The most likely cause is sun-damage.
You will see these heavily pigmented areas on parts of the body that are frequently exposed to full sunlight. Men that are bald, see them on the tops of their heads. If they had worn a hat, they could have prevented them.
Women and men alike see them on their hands, necks and faces. If the sun exposure could be stopped, they could fade over time. But, if it continues, they will become darker and darker. This is because exposure to sunlight triggers melanin production. Melanin is a substance produced by specialized cells within the skin's deepest layers. It is responsible for your skin's "color".
The role that it plays is to protect the deepest layers from the sun's damaging UV radiation. You may not even realize that you have spent too much time out doors without protection. UV rays get through even on cloudy days. But, if you want to fade liver spots, you need to make every effort to block the UV light. Otherwise, your efforts won't pay off.
There are some ingredients that are known to inhibit melanin production. Others are known to prevent liver spots from forming. Vitamin E, for example, is suggested for preventing them, but would not be effective for fading them. Vitamin E does not inhibit melanin production.
The most popular ingredient for inhibiting melanin is hydroquinone, but it is irritating, can cause allergic reactions and may increase your risk of cancer. A safe alternative that will help fade liver spots by inhibiting melanin production is a plant extract.
We don't always place enough value in the plants that grow around us. The cyperus rotundus plant is typically considered a weed, but the roots have medicinal value. That relieve irritation and they have been shown to inhibit melanin by more than 40%.
The skin's outermost layer is replaced over and over again throughout your life. Old cells are sloughed off at the rate of thousands per hour. New cells move forward to take their place. All of these cells are produced in one of the deepest layers. If melanin production is triggered, the cells will have a darker color. If production is inhibited, the new cells will be lighter in color. As the darker cells are sloughed off, newer lighter ones take their place.
That's how we fade liver spots, gradually. The treatments offered by dermatologists and cosmetic surgeons have been known to worsen the appearance by leaving scars or lighter colored areas. They are also very expensive and, of course, health insurance does not cover these treatments.
Make no mistake about it. Creams containing cyperus rotundus extract may be safe, effective and reasonably priced. However, other anti-aging ingredients, such as coenzyme Q10, can increase the benefit and further improve the skin's appearance. So, you see, it is possible to fade liver spots and look "as young as you feel".
To learn more about vitamins for healthy skin, and other incredible substances you've probably never heard of, visit my website today.
You will see these heavily pigmented areas on parts of the body that are frequently exposed to full sunlight. Men that are bald, see them on the tops of their heads. If they had worn a hat, they could have prevented them.
Women and men alike see them on their hands, necks and faces. If the sun exposure could be stopped, they could fade over time. But, if it continues, they will become darker and darker. This is because exposure to sunlight triggers melanin production. Melanin is a substance produced by specialized cells within the skin's deepest layers. It is responsible for your skin's "color".
The role that it plays is to protect the deepest layers from the sun's damaging UV radiation. You may not even realize that you have spent too much time out doors without protection. UV rays get through even on cloudy days. But, if you want to fade liver spots, you need to make every effort to block the UV light. Otherwise, your efforts won't pay off.
There are some ingredients that are known to inhibit melanin production. Others are known to prevent liver spots from forming. Vitamin E, for example, is suggested for preventing them, but would not be effective for fading them. Vitamin E does not inhibit melanin production.
The most popular ingredient for inhibiting melanin is hydroquinone, but it is irritating, can cause allergic reactions and may increase your risk of cancer. A safe alternative that will help fade liver spots by inhibiting melanin production is a plant extract.
We don't always place enough value in the plants that grow around us. The cyperus rotundus plant is typically considered a weed, but the roots have medicinal value. That relieve irritation and they have been shown to inhibit melanin by more than 40%.
The skin's outermost layer is replaced over and over again throughout your life. Old cells are sloughed off at the rate of thousands per hour. New cells move forward to take their place. All of these cells are produced in one of the deepest layers. If melanin production is triggered, the cells will have a darker color. If production is inhibited, the new cells will be lighter in color. As the darker cells are sloughed off, newer lighter ones take their place.
That's how we fade liver spots, gradually. The treatments offered by dermatologists and cosmetic surgeons have been known to worsen the appearance by leaving scars or lighter colored areas. They are also very expensive and, of course, health insurance does not cover these treatments.
Make no mistake about it. Creams containing cyperus rotundus extract may be safe, effective and reasonably priced. However, other anti-aging ingredients, such as coenzyme Q10, can increase the benefit and further improve the skin's appearance. So, you see, it is possible to fade liver spots and look "as young as you feel".
To learn more about vitamins for healthy skin, and other incredible substances you've probably never heard of, visit my website today.
Cutting Cost Tips Every Small Business Owner Should Know by Chris Haycox
Develop a Clear Mission Statement
One of the most important steps is one most business owners consider obvious - but few truly do thoroughly. Make sure that your business plan is simple, clear, and workable before you invest your capital. Have you planned out the next five years intensively? In how much detail? The more narrowly, specifically, and intelligently you articulate your business mission, the easier it will be for you to construct a cost effective budget and to keep your company in the black.
Search for Used/Free/Discounted Equipment
When you're establishing a new company, you need not indulge in purchases of state-of-the-art furniture, Aeron chairs, and a slate of the latest company iPhones. Indeed, you can save yourself tremendous upfront capital by finding great deals on used/give-away office furniture and equipment. Businesses selling used or cheap equipment are becoming more widespread, and there are many resources online. For instance, Craigslist, a national internet site, posts hundreds of ads for used/cheap furniture every day.
You can also remodel used furniture yourself to save money. An old beat-up wooden table, for instance, can be transformed into a semi luxury furnishing with just a little sanding and painting. You can also call offices in your area to find out whether or not they might let you have or lease furniture at a discounted rate.
To keep costs low, figure out exactly what you need, and only get those items. Psychological studies show that shoppers who make lists and stick to them spend less.
Reduce Your Use of Mail: Increase Your Use of Email
While the US Postal System, FedEx, and other major carriers do a grand job delivering for small businesses, these services can get quite expensive, particularly if you use them regularly or ship bulk materials. Cutting out paperwork can make filing easier, save on staff resources, and cut your postage costs.
If you do convert your business records and transactions to "virtual transactions," however, be sure to keep duplicate records. You can get accounts through sites likes Yahoo! and Google to store business emails online for free. You should also create a ghost copy of your hard drive to back up critical data.
Negotiate Costs with Vendors and Clients Whenever Possible -- Don't Be Shy
Just because your small business doesn't qualify for bulk discounts doesn't mean you can't use your status as a "lean and mean" organization to your benefit. You may be able to get better deals on supplies by paying early, agreeing to a long-term contract with a supplier, or simply by hard-nosed negotiating. Frankly, one of the best ways to get a good deal is simply to ask. Know your market's prices before you make offers - you obviously want to neither insult vendors nor overpay. To bone up on how to negotiate better, read books on the psychology of negotiation. Dr. Robert Cialdini's book "Influence" is a classic in the field.
Shop for Insurance
A good insurance plan can not only protect your business from potentially catastrophic contingencies but can also give you leverage to grow your company. Research what you minimally need before you shop policies. Business owners can choose from literally dozens of types of policies, and every business owner's needs will be different. Talk to several neutral sources before pricing plans.
Limit Your Energy Use
With oil prices spiking and the energy markets uncertain, you can't afford not to consider the costs of fuel and power. There are many ways to reduce your consumption of energy without compromising your business model. Use fans instead of central air to keep your building cool during the summer. Replace traditional light bulbs with energy efficient bulbs (those odd, corkscrew-shaped bulbs you see at the hardware store). Energy saving bulbs can slash your energy costs, and they last much longer, too. If possible, do business out of your home to reduce the amount of gas you burn driving to and from the office.
Budget Conservatively
As a small business, you likely don't have a huge margin of error. Budget brutally and honestly. Figure out your company's assets and its anticipated liabilities. It's natural to be optimistic about the future of your business. However, if you set your expectations at a modified level, you'll have a far greater chance of staying within budget and thus succeeding. Be mindful of the fact that you may have to survive several months without making a profit in order to get your company up and running. Budget both your personal and business expenses carefully in preparation. You can use a number of support systems to improve/refine your budget as you go, including professional accounting consultants and top end software.
Learn From Other Successful Small Business Owners
By forging relationships with other like-minded entrepreneurs, you will simultaneously network and get feedback on key tactical issues which may arise as you move forward with your business plan. You may be entitled to a multitude of excellent tax write-offs. You may also qualify for discounts at bulk big box retailers like Costco and Sam's Club. Subscribe to trade journals to find discounts and tips to get around fees and other business hassles.
Barter For Services
By trading for discounts you not only save money, you also build brand loyalty with potential vendors. If, for instance, you are starting up a web graphic service, you can likely trade your expertise for discounts on shipping, equipment, and other future favors. You may also be able to offer additional services to your clients to lower costs and build relationships.
One of the most important steps is one most business owners consider obvious - but few truly do thoroughly. Make sure that your business plan is simple, clear, and workable before you invest your capital. Have you planned out the next five years intensively? In how much detail? The more narrowly, specifically, and intelligently you articulate your business mission, the easier it will be for you to construct a cost effective budget and to keep your company in the black.
Search for Used/Free/Discounted Equipment
When you're establishing a new company, you need not indulge in purchases of state-of-the-art furniture, Aeron chairs, and a slate of the latest company iPhones. Indeed, you can save yourself tremendous upfront capital by finding great deals on used/give-away office furniture and equipment. Businesses selling used or cheap equipment are becoming more widespread, and there are many resources online. For instance, Craigslist, a national internet site, posts hundreds of ads for used/cheap furniture every day.
You can also remodel used furniture yourself to save money. An old beat-up wooden table, for instance, can be transformed into a semi luxury furnishing with just a little sanding and painting. You can also call offices in your area to find out whether or not they might let you have or lease furniture at a discounted rate.
To keep costs low, figure out exactly what you need, and only get those items. Psychological studies show that shoppers who make lists and stick to them spend less.
Reduce Your Use of Mail: Increase Your Use of Email
While the US Postal System, FedEx, and other major carriers do a grand job delivering for small businesses, these services can get quite expensive, particularly if you use them regularly or ship bulk materials. Cutting out paperwork can make filing easier, save on staff resources, and cut your postage costs.
If you do convert your business records and transactions to "virtual transactions," however, be sure to keep duplicate records. You can get accounts through sites likes Yahoo! and Google to store business emails online for free. You should also create a ghost copy of your hard drive to back up critical data.
Negotiate Costs with Vendors and Clients Whenever Possible -- Don't Be Shy
Just because your small business doesn't qualify for bulk discounts doesn't mean you can't use your status as a "lean and mean" organization to your benefit. You may be able to get better deals on supplies by paying early, agreeing to a long-term contract with a supplier, or simply by hard-nosed negotiating. Frankly, one of the best ways to get a good deal is simply to ask. Know your market's prices before you make offers - you obviously want to neither insult vendors nor overpay. To bone up on how to negotiate better, read books on the psychology of negotiation. Dr. Robert Cialdini's book "Influence" is a classic in the field.
Shop for Insurance
A good insurance plan can not only protect your business from potentially catastrophic contingencies but can also give you leverage to grow your company. Research what you minimally need before you shop policies. Business owners can choose from literally dozens of types of policies, and every business owner's needs will be different. Talk to several neutral sources before pricing plans.
Limit Your Energy Use
With oil prices spiking and the energy markets uncertain, you can't afford not to consider the costs of fuel and power. There are many ways to reduce your consumption of energy without compromising your business model. Use fans instead of central air to keep your building cool during the summer. Replace traditional light bulbs with energy efficient bulbs (those odd, corkscrew-shaped bulbs you see at the hardware store). Energy saving bulbs can slash your energy costs, and they last much longer, too. If possible, do business out of your home to reduce the amount of gas you burn driving to and from the office.
Budget Conservatively
As a small business, you likely don't have a huge margin of error. Budget brutally and honestly. Figure out your company's assets and its anticipated liabilities. It's natural to be optimistic about the future of your business. However, if you set your expectations at a modified level, you'll have a far greater chance of staying within budget and thus succeeding. Be mindful of the fact that you may have to survive several months without making a profit in order to get your company up and running. Budget both your personal and business expenses carefully in preparation. You can use a number of support systems to improve/refine your budget as you go, including professional accounting consultants and top end software.
Learn From Other Successful Small Business Owners
By forging relationships with other like-minded entrepreneurs, you will simultaneously network and get feedback on key tactical issues which may arise as you move forward with your business plan. You may be entitled to a multitude of excellent tax write-offs. You may also qualify for discounts at bulk big box retailers like Costco and Sam's Club. Subscribe to trade journals to find discounts and tips to get around fees and other business hassles.
Barter For Services
By trading for discounts you not only save money, you also build brand loyalty with potential vendors. If, for instance, you are starting up a web graphic service, you can likely trade your expertise for discounts on shipping, equipment, and other future favors. You may also be able to offer additional services to your clients to lower costs and build relationships.
Wednesday, April 15, 2009
Paid Online Surveys-How To Be Financially Independent by Alan Lim
Reasoned use of the concept of paid online surveys allow the home business person to become financially independent without requiring advanced education, capital investments or years of training.
Paid online surveys are a relatively recent development that can be used to create financial independence for those individuals who are ready to take the steps required. Earning income through completing surveys is a simple process and one that doesn't require a capital investment or a college degree in order to get started. In today's precarious financial times, it is important to have a fall back position to supplement income if you should need to do so. Some home based workers have used survey completion to replace the need for commuting to an outside job, thus saving even more money.
The Need for Income
Many individuals in this country are suffering from the loss of jobs. Others have had their hours cut back or even suffered a cutback in pay levels. If you are one of these individuals, you know how important it can be to have an alternative source of income to get you through from paycheck to paycheck. Even if you are fortunate enough to have secure employment, having a little extra income can be very helpful in balancing your monthly budget. Paid online surveys are a great way to add income to your household without adding to the cost of working.
Internet Income
In addition to providing an opportunity to earn ready cash for completing paid online surveys, there are advantages in using the internet and working from one's own home. Job related expenses are significantly less when you work at home and you can save time by eliminating commuting and preparation time. The amount of income that you earn largely depends on how long you are prepared to work and the level of questionnaires that you work on. Since your time is more efficiently used by working on the internet, you effectively boost your income as well.
Boost Available Income
Since the primary purpose of completing paid online surveys is to add to the income, the best process for income implementation is to make the most efficient use possible of every minute spent working. In addition, you can essentially boost the income to your household by spending time that would have been wasted in commuting or by preparing clothing and shoes for going out of the home. Instead, you could use the time actually producing work that pays such as survey questionnaires. Work such as this can be done in small bits and pieces right from your home office or computer.
Reduce Expenses
Work that relies on paid online surveys is definitely an income producing use of your time. However, the best way to effectively improve your income is to reduce the expenses that you incur just in getting to and from work. For example, if you drive your own automobile to and from work, the fuel costs, insurance, repair costs associated with the automobile, tires, batteries and oil changes are depleting any income you may have earned. Work clothing and shoes and costs of work day lunches and coffee breaks all can have significant impact on the income produced in a regular outside job.
Paid online surveys are a relatively recent development that can be used to create financial independence for those individuals who are ready to take the steps required. Earning income through completing surveys is a simple process and one that doesn't require a capital investment or a college degree in order to get started. In today's precarious financial times, it is important to have a fall back position to supplement income if you should need to do so. Some home based workers have used survey completion to replace the need for commuting to an outside job, thus saving even more money.
The Need for Income
Many individuals in this country are suffering from the loss of jobs. Others have had their hours cut back or even suffered a cutback in pay levels. If you are one of these individuals, you know how important it can be to have an alternative source of income to get you through from paycheck to paycheck. Even if you are fortunate enough to have secure employment, having a little extra income can be very helpful in balancing your monthly budget. Paid online surveys are a great way to add income to your household without adding to the cost of working.
Internet Income
In addition to providing an opportunity to earn ready cash for completing paid online surveys, there are advantages in using the internet and working from one's own home. Job related expenses are significantly less when you work at home and you can save time by eliminating commuting and preparation time. The amount of income that you earn largely depends on how long you are prepared to work and the level of questionnaires that you work on. Since your time is more efficiently used by working on the internet, you effectively boost your income as well.
Boost Available Income
Since the primary purpose of completing paid online surveys is to add to the income, the best process for income implementation is to make the most efficient use possible of every minute spent working. In addition, you can essentially boost the income to your household by spending time that would have been wasted in commuting or by preparing clothing and shoes for going out of the home. Instead, you could use the time actually producing work that pays such as survey questionnaires. Work such as this can be done in small bits and pieces right from your home office or computer.
Reduce Expenses
Work that relies on paid online surveys is definitely an income producing use of your time. However, the best way to effectively improve your income is to reduce the expenses that you incur just in getting to and from work. For example, if you drive your own automobile to and from work, the fuel costs, insurance, repair costs associated with the automobile, tires, batteries and oil changes are depleting any income you may have earned. Work clothing and shoes and costs of work day lunches and coffee breaks all can have significant impact on the income produced in a regular outside job.
Why Cheap Health Insurance by Todd Hodge
At these times what a lot of people would certainly consider is to be able to acquire what would be important for their needs. Giving importance to our medical necessities with a health insurance cheap and affordable would definitely give you an edge to others who don't have anything to secure them with their health issues.Insurance companies nowadays are mindful of the problems that our country is experiencing and with this concern they are willing to adjust so they can still provide health assistance to people who are willing to avail of it. Having the ability to derive benefit from their members, insurance companies would like to provide a front burner for people who are interested in availing medical assistance but don't have the means of doing so by offering health insurance cheap and affordable for people to benefit from.Knowing that many people are still mindful of what a health insurance cheap plan assist them with, there is as well many people who are ignorant of the fact that they need this kind of medical security in their lives. Being able to secure you and your family even with a health insurance cheap plan would assure you that you are prepared for any uncertainty. This would be a good resource for you and your family just in case your health concerns requires a regular visit to the doctor and you don't have to make any down payments at all .Let's say you are employed and you only earn what's enough for the family, the best way for you to be able to acquire a health insurance cheap policy is by engaging through a group insurance. Your company may actually be affiliated with one of the insurance companies that offer such assistance and do not hesitate to ask your employer if you can avail of that as well. get your free cheap auto insurance quote todayhaving the ability to get service from a health insurance cheap policy provider is certainly not lavishness, it is definitely something that you and your family have to take advantage of to be prepared for any health crisis that you may come across in the future. Nobody can tell where or when accidents will happen, although you're hoping that it doesn't but you should always be prepared of whatever circumstance you may come across. Why Cheap Health InsuranceMake no mistake spending you money for things that you don't really need. If you would be able to allocate some of your budget for a health insurance cheap plan you're definitely giving you and your family a great deal out of it. insurance
About the Author
Todd Hodge writes regularly about autos related topics. I hope you enjoy this article.
About the Author
Todd Hodge writes regularly about autos related topics. I hope you enjoy this article.
Options Extrinsic Value as a Stock Indicator by Jason Ng - Founder, Mastersoequity.com
I bought DNDN shares last month at about $4.00 and less than a month later, I sold it for $21. Yes, that's 425% profit in less than a month. Was that pure luck? How often has that happened to you? What if I told you that luck has nothing to do with this and that I bought DNDN shares knowing that it will break out strongly very soon?
Yes, I did know for a high level of probability that DNDN was going to stage a big rally soon and I didn't even look at their news or their earnings nor financial statements in order to do that. In fact, it took me only about 1 minute to spot this great trade. What? Just one minute without even looking at the charts?
That's right and here's how I did it:
Every day, I simply look for stocks with unusually high extrinsic value on their out of the money call options. I usually look for extrinsic values that are over 20% of the price of the underlying stock itself.
Why do stocks with unusually high extrinsic value signal a rally?
What is extrinsic value? Extrinsic value is the part of the price of an option which goes down to zero when the option expires. It is the extra money you pay to market makers for selling the options to you. It is like insurance premium which goes to zero when the insurance expires. Of course, a lot of factors go into determining fair extrinsic value and one of the biggest determinant is implied volatility or how volatile market makers think the stock is going to be in the near future.
Market makers are members of the exchange and are who you are buying and selling options with when you trade options. Market makers control the extrinsic value of options through adjusting the implied volatility of options in response to news, sentiment or trading activities. Market makers are the "insiders" of the market and they know when something is brewing and then raise the extrinsic value of options on those stocks so that nobody can reap a free lunch through purchasing those options. Sad, but true. Somehow, these market makers are extremely accurate and stocks do rally, most of the time.
With this information, one could either do a covered call options trading strategy on these stocks ( http://www.optiontradingpedia.com/free_covered_call.htm ) or they can simply hold on to the stocks itself to speculate the stock going higher. How about buying call options instead? Yes, if you buy deep in the money call options with little extrinsic value. At the money call options and out of the money call options are out of the question since the extrinsic value would have been high enough to significantly reduce any potential profits, if any remains.
Yes, this is no rocket science and you can easily set up a screener for such stocks using most of the online options trading accounts. Have fun, good luck and remember to obtain professional advise before acting on any of the above suggestions.
Yes, I did know for a high level of probability that DNDN was going to stage a big rally soon and I didn't even look at their news or their earnings nor financial statements in order to do that. In fact, it took me only about 1 minute to spot this great trade. What? Just one minute without even looking at the charts?
That's right and here's how I did it:
Every day, I simply look for stocks with unusually high extrinsic value on their out of the money call options. I usually look for extrinsic values that are over 20% of the price of the underlying stock itself.
Why do stocks with unusually high extrinsic value signal a rally?
What is extrinsic value? Extrinsic value is the part of the price of an option which goes down to zero when the option expires. It is the extra money you pay to market makers for selling the options to you. It is like insurance premium which goes to zero when the insurance expires. Of course, a lot of factors go into determining fair extrinsic value and one of the biggest determinant is implied volatility or how volatile market makers think the stock is going to be in the near future.
Market makers are members of the exchange and are who you are buying and selling options with when you trade options. Market makers control the extrinsic value of options through adjusting the implied volatility of options in response to news, sentiment or trading activities. Market makers are the "insiders" of the market and they know when something is brewing and then raise the extrinsic value of options on those stocks so that nobody can reap a free lunch through purchasing those options. Sad, but true. Somehow, these market makers are extremely accurate and stocks do rally, most of the time.
With this information, one could either do a covered call options trading strategy on these stocks ( http://www.optiontradingpedia.com/free_covered_call.htm ) or they can simply hold on to the stocks itself to speculate the stock going higher. How about buying call options instead? Yes, if you buy deep in the money call options with little extrinsic value. At the money call options and out of the money call options are out of the question since the extrinsic value would have been high enough to significantly reduce any potential profits, if any remains.
Yes, this is no rocket science and you can easily set up a screener for such stocks using most of the online options trading accounts. Have fun, good luck and remember to obtain professional advise before acting on any of the above suggestions.
Monday, April 13, 2009
The Five Steps of Smart Financial Planning by Andrew Molobetsi
For most people, planning for a successful financial future can be
a daunting task that requires the services of a personal finance expert to
implement. But taken step by step, this is one process that may not require
outside help if your know your way around.
But what is financial planning, and why is it so important in the successful
management of your personal finances?
Simply put, financial planning is a 'dynamic process that requires monitoring and
re-evaluation' in all areas of your personal finances. like, for example, savings
accounts, credit cards, loans, stock market investments, retirement annuities,
income tax, life insurance, and funeral plans.
If you ask a financial planner, your broker, or financial adviser
why financial planning is so important in your personal financial
management, there's a 99 percent chance that he/she will tell you
that financial planning is the gold key component of personal finance...
Because, without a financial plan on hand, it is almost impossible
to achieve meaningful goals in your life.
So what's next?
Generally speaking, financial planning consists of a series of five
important steps for managing your finances successfully:
ASSESSMENT
The first thing that you need to do is to assess your current
financial position, or financial fitness, so to speak. This step
requires you to compile things like a simple balance sheet and an
income statement.
A balance sheet shows a list of assets (everything that you
own: house, cars, stocks, investments, and banking accounts,
including clothes) versus liabilities (what you owe others: home,
car and personal loans, debts on your credit cards, etc)
In accounting language, a balance sheet represents your net worth or
true worth, so to speak.
An income statement shows a list of your personal earnings
versus expenses. For example, salary, commissions, royalties, etc.
SETTING GOALS.
To set a goal simply means to determine what exactly it is that
you want to achieve in the (1)short-term, (2)medium-term or (3)long-term.
For example, (1) pay off all outstanding personal loan balances in
twelve months), (2) go on a trip to Russia in 2014) (3) build a
house by the sea coast when I retire at 60 years of age in fifteen
years' time).
CREATING A PLAN.
With every goal you set for yourself, you have to have a plan.
Without a plan of how you're going to achieve those goals is
like hiking in a foreign country without a map or guide to help
you find your way.
ACTING ON YOUR PLAN.
Even if you have the best laid out plans on the planet, your
goals are still just a dream. Nothing More. So setting your plans
in motion means that you do something that leads you one or two
step further towards reaching your goals.
However, taking action to put a financial plan in motion is not
an easy matter. Ask anyone you know! A financial plan requires
much more than saying you'll do such and such so you can become
the next Bill Gates. A financial plan needs discipline like,for
example, and diligence.
Because most people know they have a poor record where discipline
and diligence are involved, they simply hire a professional like a
financial planner or accountant, for example, to help them with
their financial planning in exchange for a fee.
MONITORING AND RE-EVALUATING.
We all know that things change. People change. Dreams change.
Even the best laid out plans change over time.
For example, when I got married some ten years ago I had to
change my financial goals to include my new spouse. A year after
we got married, the birth of our first child changed the whole
complexion in our financial planning.
So it is always important to monitor and re-evaluate your plans
as time passes. That way you know everything is still moving
forward the way you planned it.
LET'S RECAP...
Financial planning is a key component of personal finance.
Personal finance, on the other hand, includes managing bank
accounts, retirement annuities, investments in stock. and life insurance.
Financial planning consists of a series of five steps:
1.Assessment,
2. Setting goals,
3. Creating a plan,
4. Acting on your plan, and
5. Monitoring and re-evaluating.
a daunting task that requires the services of a personal finance expert to
implement. But taken step by step, this is one process that may not require
outside help if your know your way around.
But what is financial planning, and why is it so important in the successful
management of your personal finances?
Simply put, financial planning is a 'dynamic process that requires monitoring and
re-evaluation' in all areas of your personal finances. like, for example, savings
accounts, credit cards, loans, stock market investments, retirement annuities,
income tax, life insurance, and funeral plans.
If you ask a financial planner, your broker, or financial adviser
why financial planning is so important in your personal financial
management, there's a 99 percent chance that he/she will tell you
that financial planning is the gold key component of personal finance...
Because, without a financial plan on hand, it is almost impossible
to achieve meaningful goals in your life.
So what's next?
Generally speaking, financial planning consists of a series of five
important steps for managing your finances successfully:
ASSESSMENT
The first thing that you need to do is to assess your current
financial position, or financial fitness, so to speak. This step
requires you to compile things like a simple balance sheet and an
income statement.
A balance sheet shows a list of assets (everything that you
own: house, cars, stocks, investments, and banking accounts,
including clothes) versus liabilities (what you owe others: home,
car and personal loans, debts on your credit cards, etc)
In accounting language, a balance sheet represents your net worth or
true worth, so to speak.
An income statement shows a list of your personal earnings
versus expenses. For example, salary, commissions, royalties, etc.
SETTING GOALS.
To set a goal simply means to determine what exactly it is that
you want to achieve in the (1)short-term, (2)medium-term or (3)long-term.
For example, (1) pay off all outstanding personal loan balances in
twelve months), (2) go on a trip to Russia in 2014) (3) build a
house by the sea coast when I retire at 60 years of age in fifteen
years' time).
CREATING A PLAN.
With every goal you set for yourself, you have to have a plan.
Without a plan of how you're going to achieve those goals is
like hiking in a foreign country without a map or guide to help
you find your way.
ACTING ON YOUR PLAN.
Even if you have the best laid out plans on the planet, your
goals are still just a dream. Nothing More. So setting your plans
in motion means that you do something that leads you one or two
step further towards reaching your goals.
However, taking action to put a financial plan in motion is not
an easy matter. Ask anyone you know! A financial plan requires
much more than saying you'll do such and such so you can become
the next Bill Gates. A financial plan needs discipline like,for
example, and diligence.
Because most people know they have a poor record where discipline
and diligence are involved, they simply hire a professional like a
financial planner or accountant, for example, to help them with
their financial planning in exchange for a fee.
MONITORING AND RE-EVALUATING.
We all know that things change. People change. Dreams change.
Even the best laid out plans change over time.
For example, when I got married some ten years ago I had to
change my financial goals to include my new spouse. A year after
we got married, the birth of our first child changed the whole
complexion in our financial planning.
So it is always important to monitor and re-evaluate your plans
as time passes. That way you know everything is still moving
forward the way you planned it.
LET'S RECAP...
Financial planning is a key component of personal finance.
Personal finance, on the other hand, includes managing bank
accounts, retirement annuities, investments in stock. and life insurance.
Financial planning consists of a series of five steps:
1.Assessment,
2. Setting goals,
3. Creating a plan,
4. Acting on your plan, and
5. Monitoring and re-evaluating.
Sun, Sea and Safari - Top 12 African Experiences (Part 1) by Kate Tee
America's streets offer retail therapy, Europe's cities offer romantic breaks, Thailand's beaches offer relaxation - but if you're looking for adventure, then head to Africa. Here's a guide to the top 12 African experiences.
1. Monkey business in Uganda
Swing by one of Uganda's two Gorilla Tracking Parks to see our furry friends. You can spend one hour with the gorillas but the rules prohibit you from touching them - although be warned, they may touch you! Keep an eye out for leopard, buffalo, bushbuck and golden monkeys as well.
The Mgahinga Gorilla National Park is situated on the extreme southwest corner of Uganda. Bwindi Impenetrable National Park is in southwestern Uganda and also boasts some spectacular birds and chimpanzees.
2. Balloon ride in Kenya
Don't exert yourself. Get a bird's eye view of the sights at your own pace with a hot air balloon ride. You and your travel companions can enjoy leisurely views of the Serengeti or Kilimanjaro. Though before you lift off, check that your travel insurance covers such adventures.
3. Relax in the Seychelles
Life's a beach on these granite and coral islands, which lie 1,500km east of mainland Africa. The Seychelles has the smallest population of any African state and is known for its beauty and tranquility. Enjoy the pristine beaches or sail away in a glass-bottom boat.
4. Leptis Magna, Libya
Pack your camera because these amazingly well-preserved remains of a Roman settlement are well worth a visit. The Severan Arch (which was built in honour of Emperor Septimus Severus), the marble and granite-lined Hadrianic Baths and a fabulous amphitheatre are among the sights you can capture while spending time in Libya. Sand baths and salt-lake bathing are also popular attractions.
5. Lose yourself in Morocco's souks
Practice your bartering techniques and take to the souks of Morocco. Leather goods, home furnishings, live chickens, and lizards are aplenty in these atmospheric markets. Monkey tamers, storytellers and musicians entertain the crowds in Marrakech's main square, Djemaa el Fna, while the northern city of Fes boasts the world's largest souks.
6. Have a whale of a time in South Africa
Visit Cape Town in the peak season between mid-August and mid-October and the warmer waters will make whale spotting likely. Grab some binoculars, jump on board a boat or take to the skies in a helicopter. There's also a chance you'll spot penguins or seals along the way. Situated on the southwestern tip of Africa, Cape Town is also home to international jazz festivals, wine valleys, beautiful beaches, fantastic shopping and the world's highest commercial bungee jump.
In particular when heading futher afield, make sure that you have valid travel insurance.
1. Monkey business in Uganda
Swing by one of Uganda's two Gorilla Tracking Parks to see our furry friends. You can spend one hour with the gorillas but the rules prohibit you from touching them - although be warned, they may touch you! Keep an eye out for leopard, buffalo, bushbuck and golden monkeys as well.
The Mgahinga Gorilla National Park is situated on the extreme southwest corner of Uganda. Bwindi Impenetrable National Park is in southwestern Uganda and also boasts some spectacular birds and chimpanzees.
2. Balloon ride in Kenya
Don't exert yourself. Get a bird's eye view of the sights at your own pace with a hot air balloon ride. You and your travel companions can enjoy leisurely views of the Serengeti or Kilimanjaro. Though before you lift off, check that your travel insurance covers such adventures.
3. Relax in the Seychelles
Life's a beach on these granite and coral islands, which lie 1,500km east of mainland Africa. The Seychelles has the smallest population of any African state and is known for its beauty and tranquility. Enjoy the pristine beaches or sail away in a glass-bottom boat.
4. Leptis Magna, Libya
Pack your camera because these amazingly well-preserved remains of a Roman settlement are well worth a visit. The Severan Arch (which was built in honour of Emperor Septimus Severus), the marble and granite-lined Hadrianic Baths and a fabulous amphitheatre are among the sights you can capture while spending time in Libya. Sand baths and salt-lake bathing are also popular attractions.
5. Lose yourself in Morocco's souks
Practice your bartering techniques and take to the souks of Morocco. Leather goods, home furnishings, live chickens, and lizards are aplenty in these atmospheric markets. Monkey tamers, storytellers and musicians entertain the crowds in Marrakech's main square, Djemaa el Fna, while the northern city of Fes boasts the world's largest souks.
6. Have a whale of a time in South Africa
Visit Cape Town in the peak season between mid-August and mid-October and the warmer waters will make whale spotting likely. Grab some binoculars, jump on board a boat or take to the skies in a helicopter. There's also a chance you'll spot penguins or seals along the way. Situated on the southwestern tip of Africa, Cape Town is also home to international jazz festivals, wine valleys, beautiful beaches, fantastic shopping and the world's highest commercial bungee jump.
In particular when heading futher afield, make sure that you have valid travel insurance.
When Planning Your Business, Don't Forget About You! by Joseph Lizio
Many new entrepreneurs spend a lot of time planning their business. They do this to ensure that once their doors are open things run smooth and that they have a real chance for long-term success.
Most go out and write a business plan. Business plans are great tools in planning your business as well as thinking through all of the small things that business owners have to deal with each and every day. They are very good road maps for a business owner.
But, there is one thing that almost all new business owners miss - and that is their personal situation. They miss it because they get so engrossed in planning the business side. Further, most business plan templates or software just do not cover this issue.
To be a successful entrepreneur, a business owners needs to have the least amount of disruptions (non-business disruptions) possible as well as have the ability to take advance of all opportunities that come their way.
This requires a very solid personal foundation. An entrepreneur must first be mentally ready to put in long hours, make hard decisions and choices and be willing to do what it takes to succeed (take risks). They must also be willing to make personal sacrifices for the business knowing that these scarifies will pay off in the long-term. And, lastly (and most importantly) they must be financially prepared.
This can mean:
1) Having your personal finances in place so you are not reliant on the business to cover your living expenses. Most businesses take 12 to 18 months just to break even. If the business owner is counting on the business to provide them a salary from day one - they are setting themselves up for a quick failure. 2) Reducing personal obligations to the lowest level possible by either consolidating debt into one low monthly payment or eliminating personal debt all together. 3) Lowering living expenses to the most basic of needs. Luxury items are out - stick to just the basics for survival. 4) Improving credit scores. Regardless of what you may have been told - your personal credit history really, really matters. Should you need working capital or some other type of loan for your business - your personal credit history will come into play. Should you need trade credit or store credit or even insurance - your personal credit history comes into play.
By making yourself the as lean as possible - reducing personal distractions and putting yourself into a position to jump at every opportunity - will go a long way towards your business success.
Everyday I come across entrepreneurs who either have great ideas or growing businesses but cannot get them to the next level because their personal situation (bad credit or personal money needs) stands in their way.
Don't be one of them.
Most go out and write a business plan. Business plans are great tools in planning your business as well as thinking through all of the small things that business owners have to deal with each and every day. They are very good road maps for a business owner.
But, there is one thing that almost all new business owners miss - and that is their personal situation. They miss it because they get so engrossed in planning the business side. Further, most business plan templates or software just do not cover this issue.
To be a successful entrepreneur, a business owners needs to have the least amount of disruptions (non-business disruptions) possible as well as have the ability to take advance of all opportunities that come their way.
This requires a very solid personal foundation. An entrepreneur must first be mentally ready to put in long hours, make hard decisions and choices and be willing to do what it takes to succeed (take risks). They must also be willing to make personal sacrifices for the business knowing that these scarifies will pay off in the long-term. And, lastly (and most importantly) they must be financially prepared.
This can mean:
1) Having your personal finances in place so you are not reliant on the business to cover your living expenses. Most businesses take 12 to 18 months just to break even. If the business owner is counting on the business to provide them a salary from day one - they are setting themselves up for a quick failure. 2) Reducing personal obligations to the lowest level possible by either consolidating debt into one low monthly payment or eliminating personal debt all together. 3) Lowering living expenses to the most basic of needs. Luxury items are out - stick to just the basics for survival. 4) Improving credit scores. Regardless of what you may have been told - your personal credit history really, really matters. Should you need working capital or some other type of loan for your business - your personal credit history will come into play. Should you need trade credit or store credit or even insurance - your personal credit history comes into play.
By making yourself the as lean as possible - reducing personal distractions and putting yourself into a position to jump at every opportunity - will go a long way towards your business success.
Everyday I come across entrepreneurs who either have great ideas or growing businesses but cannot get them to the next level because their personal situation (bad credit or personal money needs) stands in their way.
Don't be one of them.
Sunday, April 12, 2009
Top 2009 Home Based Business Directory by Michael Comeau
It appears that the traditional businesses are looking for new and creative ways to decrease overheads and increase profit margins. What better way is there to increase profit margins than decreasing overhead cost? It ensures that you make more money and can charge less for your product or service. This makes your online business more competitive than someone who has a traditional store.
Lets take a look at Online Pet Stores as an example. Pet stores that you more than likely currently frequent like Pet Smart has tremendous overheads such as employees, storefronts, utilities, insurance and much more.
All of a sudden someone like you or I starts up an Online Pet Store that has all of their products online. They have the potential to offer products at a much lower cost. This is a win-win for the consumer because they get their product online at a fair price with out the cost and time of driving somewhere to pick it up. How nice is that. They can save money and do something else with their free time.
The same thing it true of ikids place, which in an Online Kids Store, Online Dollar Stores or even the very popular Online Jewelry Stores. I could go on and on. What is especially nice about owning an online retail store is that you can own all of the above, because you simply act as a middleman.
Once you website is setup and running all you need to do is maintain it on a regular basis. Your customers go to your site, order from your site, the warehouse collects all monies owed online and they ship the product and you earn a nice income for the sale. You get to keep the difference between you wholesale cost and your retail cost. So you see once you have the websites setup you could easily own one of each.
The other nice thing about these types of Online Retail Stores is they charge a very minimal fee and you are setup within minutes with your own website. Why would they do that for such a small fee? If they can get people like you and I bringing them customers they do not have to worry about advertising, face-to-face confrontations with customers, employees, insurance or many of the other costs associated with owning a retail store front. In other words there overhead costs are greatly decreased as well.
It's a win-win situation for everyone.
Check out the Top Rated 2009 Home Based Business Directory!
Lets take a look at Online Pet Stores as an example. Pet stores that you more than likely currently frequent like Pet Smart has tremendous overheads such as employees, storefronts, utilities, insurance and much more.
All of a sudden someone like you or I starts up an Online Pet Store that has all of their products online. They have the potential to offer products at a much lower cost. This is a win-win for the consumer because they get their product online at a fair price with out the cost and time of driving somewhere to pick it up. How nice is that. They can save money and do something else with their free time.
The same thing it true of ikids place, which in an Online Kids Store, Online Dollar Stores or even the very popular Online Jewelry Stores. I could go on and on. What is especially nice about owning an online retail store is that you can own all of the above, because you simply act as a middleman.
Once you website is setup and running all you need to do is maintain it on a regular basis. Your customers go to your site, order from your site, the warehouse collects all monies owed online and they ship the product and you earn a nice income for the sale. You get to keep the difference between you wholesale cost and your retail cost. So you see once you have the websites setup you could easily own one of each.
The other nice thing about these types of Online Retail Stores is they charge a very minimal fee and you are setup within minutes with your own website. Why would they do that for such a small fee? If they can get people like you and I bringing them customers they do not have to worry about advertising, face-to-face confrontations with customers, employees, insurance or many of the other costs associated with owning a retail store front. In other words there overhead costs are greatly decreased as well.
It's a win-win situation for everyone.
Check out the Top Rated 2009 Home Based Business Directory!
Becoming Green with Steel by Mat Fay
Now that environmentalism has become the hot topic of the decade, it is not surprising that many developers and builders are turning to building products that leave less of an impact on the environment, such as recycled steel. As an added bonus recycled steel material provide added advantages over wood frame construction so not only is steel a good moral choice, but a practical one as well.
While steel was once used for railroads and building cars it has quickly grown as the favourite choice for building material. Areas in the United States that are prone to earthquakes and forest fires, such as Hawaii and California are seeing the benefits of using steel for their buildings rather than wood.
Since steel weighs significantly less than lumber it is much cheaper to ship and store. When it comes to construction, building with steel puts less strain on construction workers who normally have to lug around heavy and awkward pieced of lumber. Manufactured steel is made with the highest quality standards so you are not going to find twist or knots like with wood products.
Environmentally speaking, construction grade steel uses about 70% recycled content, and little waste is generated during manufacturing. At the end of its lifespan (which is significantly longer than wood) the building can be demolished or the steel removed and it is 100% recyclable into new steel products.
Steel is the most recycled material in the world, and any type of steel can be recycled. One of the greatest environmental advantages to steel is that it can be recycled indefinitely into new products. Recycled steel takes 75% less energy to produce than new steel, and every ton of recycled steel saves the use of 2500lbs of iron ore, 1000lbs of coal and 40lbs of limestone.
Steel building materials are completely non-toxic, meaning they do not off-gas like other products so the air inside the building is clean. Those who live in high-wind areas will appreciate its rigidity, and since it does not absorb water or dry out it will never crack or rot.
A primary advantage of steel products is that they are incredibly strong and will never warp, split or rot. Steel will also never grow mould and resists wind, fire and insect infestations. It has a 200 year lifespan which is significantly higher than lumber buildings.
While at the outset it may cost more to build with steel over lumber the lifetime expense is much lower. For example, because of steel's strength and resistance to wind, fire and insects you will find that insurance premiums on a steel building are much lower. Steel also allows for more complex designs, which is why it is a favourite building material for leading architects.
A building constructed from steel will be more energy efficient and will require minimal maintenance. They are an environmentally conscious choice since they are 100% recyclable and already made from recycled materials. Steel buildings are safe and secure, which is why they are quickly becoming the number one choice for new building material.
While steel was once used for railroads and building cars it has quickly grown as the favourite choice for building material. Areas in the United States that are prone to earthquakes and forest fires, such as Hawaii and California are seeing the benefits of using steel for their buildings rather than wood.
Since steel weighs significantly less than lumber it is much cheaper to ship and store. When it comes to construction, building with steel puts less strain on construction workers who normally have to lug around heavy and awkward pieced of lumber. Manufactured steel is made with the highest quality standards so you are not going to find twist or knots like with wood products.
Environmentally speaking, construction grade steel uses about 70% recycled content, and little waste is generated during manufacturing. At the end of its lifespan (which is significantly longer than wood) the building can be demolished or the steel removed and it is 100% recyclable into new steel products.
Steel is the most recycled material in the world, and any type of steel can be recycled. One of the greatest environmental advantages to steel is that it can be recycled indefinitely into new products. Recycled steel takes 75% less energy to produce than new steel, and every ton of recycled steel saves the use of 2500lbs of iron ore, 1000lbs of coal and 40lbs of limestone.
Steel building materials are completely non-toxic, meaning they do not off-gas like other products so the air inside the building is clean. Those who live in high-wind areas will appreciate its rigidity, and since it does not absorb water or dry out it will never crack or rot.
A primary advantage of steel products is that they are incredibly strong and will never warp, split or rot. Steel will also never grow mould and resists wind, fire and insect infestations. It has a 200 year lifespan which is significantly higher than lumber buildings.
While at the outset it may cost more to build with steel over lumber the lifetime expense is much lower. For example, because of steel's strength and resistance to wind, fire and insects you will find that insurance premiums on a steel building are much lower. Steel also allows for more complex designs, which is why it is a favourite building material for leading architects.
A building constructed from steel will be more energy efficient and will require minimal maintenance. They are an environmentally conscious choice since they are 100% recyclable and already made from recycled materials. Steel buildings are safe and secure, which is why they are quickly becoming the number one choice for new building material.
Saturday, April 11, 2009
Start Climbing The Equity Ladder With A Second Home. by Matt Lohse
If you are currently in the market to buy a second home or an investment property then congratulations, there is no better time than now. The equity that you stand to gain from this purchase can be considerable. You need to plan properly to maximize your gains. The first step in this process is to decide what the second home will be utilized for. Will it be a vacation home? Are you going to use it as a rental home? If so, will it be a long-term rental or a short-term rental? You should have a strategy in mind when planning to move forward. It will help make the process smoother.
If you are looking at the purchase as a source of revenue then there are certain steps that you should take to ensure the home will bring in as much money as possible. When analyzing what your mortgage payment will be you need to compare it to rental rates in the same area. A good rule of thumb is the property should be able to rent or cash flow for $200.00 more than your total mortgage a month. For example if your mortgage is $1000 PITI (principle, interest, taxes and insurance) a month. You would want to be able to rent the home for $1200 a month.
Also, ask yourself, "am I ready to be a landlord?" This will involve the task of finding and maintaining good tenants, answering phone calls about the toilet not flushing and sometimes having to do what's right for you and your property, not what's right for the renters. If you have the tendency to be "too nice," land lording might not be for you.
No matter what your property is intended for, be sure to cover all the bases. Be as diligent as you were when buying your first home. Even more so, you will be able to apply any lessons you learned during that process on the new home and you should be able to avoid any mistakes or area of stress that were present in the first purchase. Many people that buy a second home find themselves buying a third and a fourth. Once you start to climb the equity ladder its hard to stop!
Matthew Lohse has been investing in real estate since 2006. He is the manager of Today's Real Estate Solutions LLC. Today's Real Estate Solutions is a real estate company that specializes in finding below market value homes throughout the Chicagoland area. To gain access to our properties and to be added to our buyer's list please visit: http://www.BuyHomeIllinois.com
If you are looking at the purchase as a source of revenue then there are certain steps that you should take to ensure the home will bring in as much money as possible. When analyzing what your mortgage payment will be you need to compare it to rental rates in the same area. A good rule of thumb is the property should be able to rent or cash flow for $200.00 more than your total mortgage a month. For example if your mortgage is $1000 PITI (principle, interest, taxes and insurance) a month. You would want to be able to rent the home for $1200 a month.
Also, ask yourself, "am I ready to be a landlord?" This will involve the task of finding and maintaining good tenants, answering phone calls about the toilet not flushing and sometimes having to do what's right for you and your property, not what's right for the renters. If you have the tendency to be "too nice," land lording might not be for you.
No matter what your property is intended for, be sure to cover all the bases. Be as diligent as you were when buying your first home. Even more so, you will be able to apply any lessons you learned during that process on the new home and you should be able to avoid any mistakes or area of stress that were present in the first purchase. Many people that buy a second home find themselves buying a third and a fourth. Once you start to climb the equity ladder its hard to stop!
Matthew Lohse has been investing in real estate since 2006. He is the manager of Today's Real Estate Solutions LLC. Today's Real Estate Solutions is a real estate company that specializes in finding below market value homes throughout the Chicagoland area. To gain access to our properties and to be added to our buyer's list please visit: http://www.BuyHomeIllinois.com
Car Shipping: The Easy Way to Transport Your Classic Car by Jennifer Strong
There are plenty of people around the country that enjoy restoring older, classic vehicles to beauty. Lots of money is put into these projects, making them big investments. Thus, when these vehicles need to be moved, special care must be taken. No matter why a vehicle needs to be relocated, car shipping can provide a much needed solution.
What is Car Shipping?
Car shipping is a service that is provided to consumers where a vehicle is transported to a new location by another vehicle. Most of the time, the vehicle that is being shipped is put on a large truck and then driven to the place where it needs to be delivered. There are two main methods for shipping a vehicle, and you can easily understand and obtain both of them. You can find a variety of companies out there, including Florida car shipping companies in Florida, Texas car shipping companies in Texas, and many other companies in other various states. Your needs will dictate the type of services that you hire.
Closed Shipping
One of these simple methods of transporting vehicles is called closed car transport. For those who are building, or have built, classic cars, this is the method of transport that provides the highest level of protection. Close transport methods offer totally enclosed spaces for your vehicle to travel in, thus protecting it from both the elements as well as any roadside debris that might end up hitting a vehicle in transit. The costs associated with this method of transport are generally higher than the open methods we will discuss next.
Open Shipping
Open vehicle transport is the most common and the cheapest method of shipping a vehicle. You can find these types of transports on the road in nearly every city in the country, as this is how dealerships obtain their vehicles. These large car carriers can haul five or more vehicles at a time, making it the most economical method of transporting a vehicle. While you know this, you must also know that vehicles transported in this manner will not be protected from any debris on the road. Thus, unless you have enough insurance coverage to protect your big investment, this is not the best way to ship a classic vehicle.
No matter which method you choose, there are multiple companies out there just waiting for your business. It is simple to get free quotes from these companies, as all you must do is call them. Make sure that no matter what, you have insurance to cover the total loss of the car, just in case a rare accident does occur.
What is Car Shipping?
Car shipping is a service that is provided to consumers where a vehicle is transported to a new location by another vehicle. Most of the time, the vehicle that is being shipped is put on a large truck and then driven to the place where it needs to be delivered. There are two main methods for shipping a vehicle, and you can easily understand and obtain both of them. You can find a variety of companies out there, including Florida car shipping companies in Florida, Texas car shipping companies in Texas, and many other companies in other various states. Your needs will dictate the type of services that you hire.
Closed Shipping
One of these simple methods of transporting vehicles is called closed car transport. For those who are building, or have built, classic cars, this is the method of transport that provides the highest level of protection. Close transport methods offer totally enclosed spaces for your vehicle to travel in, thus protecting it from both the elements as well as any roadside debris that might end up hitting a vehicle in transit. The costs associated with this method of transport are generally higher than the open methods we will discuss next.
Open Shipping
Open vehicle transport is the most common and the cheapest method of shipping a vehicle. You can find these types of transports on the road in nearly every city in the country, as this is how dealerships obtain their vehicles. These large car carriers can haul five or more vehicles at a time, making it the most economical method of transporting a vehicle. While you know this, you must also know that vehicles transported in this manner will not be protected from any debris on the road. Thus, unless you have enough insurance coverage to protect your big investment, this is not the best way to ship a classic vehicle.
No matter which method you choose, there are multiple companies out there just waiting for your business. It is simple to get free quotes from these companies, as all you must do is call them. Make sure that no matter what, you have insurance to cover the total loss of the car, just in case a rare accident does occur.
Hayman Island: A Luxury Experience in the Whitsundays by Chris Alfreds
True luxury and opulence are yours when you choose Hayman Island as your holiday destination. For those seeking a truly magical vacation experience, Hayman Island is, perhaps, the most prestigious location at which to holiday while in Queensland.Hayman Island is part of the Whitsunday Islands, which are located just off the North Queensland Coast of Australia. Hayman Island is the most northern island of the Whitsundays, and is certainly the most exclusive.The only development on this island is the Hayman Island Resort, a spectacular accommodation known for its unsurpassed service and surroundings. In fact, it is a member of an exclusive organization called The Leading Hotels of the World.Nestled against a sweeping beach and over 14 hectares of beautiful, tropical gardens, Hayman Island enjoys a truly serene location. This pristine island is home to a beautiful variety of birds and wildlife, and is enjoyed by many as they explore the natural bushland of this tropical island. Many visitors to Hayman Island find that the many trails of the island are a great way to get around and enjoy the supreme surroundings and get a glimpse of the secluded bays and beaches.Many visitors on holiday to Hayman Island experience the beauty of the Great Barrier Reef, as Hayman Island provides easy access to this remarkable wonder of the world.If visitors are not exploring the natural sites and surroundings of Hayman Island, then they are definitely indulging in one of the activities and amenities of the Hayman Island Resort.From its massive swimming pool to its superb beach, visitors can enjoy a variety of water activities, including swimming, windsurfing, catamaran sailing, game fishing and scuba diving, just to name a few. Still, others visitors on vacation to Hayman Island take in the sites of the outstanding, surrounding water and rainbow-colored coral by diving and snorkeling. The hotel itself is low rise, thereby allowing visitors to experience the surroundings without feeling as though the buildings are disturbing the environment.The amenities and services of the Hayman Island Resort include superb accommodation, a shopping arcade, six restaurants, bars, a marina, a kids' club, tennis courts, a spa, swimming pool and gardens.The resort's interconnecting pools and lagoons are often considered the highlight of the resort, as they wind their way throughout the property to create truly superb surroundings.If you travel Australia and want to indulge in the finest resort experience, then Hayman Island is right for you. QLD Travel can provide you with plenty of cheap deals and travel package deals when visiting Hayman Island, thereby allowing your next vacation to Hayman Island to be a truly spectacular one.
Home Insurance Cover Can be Cheaper When Bought Online by David Thomson
Home insurance cover can work out a lot cheaper if you allow a specialist insurance broker to find quotes on your behalf which you would then be able to compare at your leisure from the comfort of your own home. Quotes found this way would come with the key facts which would tell you about the important parts of the policy which makes comparing very easy.
When considering taking out home insurance cover there are two different forms that can be taken into account. One is essential as mortgage lenders will ask that you insure the shell of the home with buildings insurance. Buildings insurance would pay for the total rebuild of your home if the worst should happen which would also include the clearing of the destroyed property if for example it should be burnt to the ground in the case of a fire. The cover would also payout if damage occurred to the outer of the home for example in a storm, flood or subsidence, providing of course these are included in the small print.
Home contents insurance is not a necessity, however you would be wise to take out the protection as this type of insurance would payout if again the worst should happen and you lost all of your belongings in a fire for example. This policy would also payout for such as theft of your belongings, accidental damage or damage by vandalism. Of course you would have to check the terms and conditions of the insurance to ensure of what is and is not included.
If you want to make savings on home insurance then you could consider taking out both contents and buildings insurance together. This is often one of the cheapest ways to take both forms of insurance and savings can be made in comparison to taking out cover separately.
When looking for home contents insurance you can save on the premiums by ensuring you do not over insure the contents of your home. This is when you would need to go around the home and take an inventory of all your possessions and it is essential that you do not forget about items which are hidden in the loft, cupboards, drawers and wardrobes. However it is important that while you want to cut down on the premiums by not over insuring you also do not want to under insure as if the worst came to the worst and you lost everything in your home you would lose out.
Savings can also be made on home insurance cover if you ensure that your property is as safe as possible. You can install such as security locks on the windows and doors and a good quality alarm system. While of course alarm systems are not cheap it can be well worth the cost for the savings you can make on insurance premiums and of course it provides you with great peace of mind as just seeing a house alarm on the property can often deter thieves.
When considering taking out home insurance cover there are two different forms that can be taken into account. One is essential as mortgage lenders will ask that you insure the shell of the home with buildings insurance. Buildings insurance would pay for the total rebuild of your home if the worst should happen which would also include the clearing of the destroyed property if for example it should be burnt to the ground in the case of a fire. The cover would also payout if damage occurred to the outer of the home for example in a storm, flood or subsidence, providing of course these are included in the small print.
Home contents insurance is not a necessity, however you would be wise to take out the protection as this type of insurance would payout if again the worst should happen and you lost all of your belongings in a fire for example. This policy would also payout for such as theft of your belongings, accidental damage or damage by vandalism. Of course you would have to check the terms and conditions of the insurance to ensure of what is and is not included.
If you want to make savings on home insurance then you could consider taking out both contents and buildings insurance together. This is often one of the cheapest ways to take both forms of insurance and savings can be made in comparison to taking out cover separately.
When looking for home contents insurance you can save on the premiums by ensuring you do not over insure the contents of your home. This is when you would need to go around the home and take an inventory of all your possessions and it is essential that you do not forget about items which are hidden in the loft, cupboards, drawers and wardrobes. However it is important that while you want to cut down on the premiums by not over insuring you also do not want to under insure as if the worst came to the worst and you lost everything in your home you would lose out.
Savings can also be made on home insurance cover if you ensure that your property is as safe as possible. You can install such as security locks on the windows and doors and a good quality alarm system. While of course alarm systems are not cheap it can be well worth the cost for the savings you can make on insurance premiums and of course it provides you with great peace of mind as just seeing a house alarm on the property can often deter thieves.
Monday, April 6, 2009
Why Buy Travel Insurance? by Hugh Mcinnes
Planning every detail of your upcoming trip may not prevent an unexpected mishap. The best way to combat a ruined vacation is to secure adequate foreign country travel insurance.
Travel insurance, by design, covers most situations you may face while traveling.
Situations to Consider• A hurricane forces you to evacuate your resort, hotel or cruise.• Your flight is cancelled or delayed more than 12 hours. • Your baggage is lost with your medication and you need to have an emergency prescription filled. • Your passport is stolen and you need an emergency replacement passport. • Your cruise line, airline or tour operator goes bankrupt. • You need medical attention in a foreign country.
Preparing to Buy• Always get quotes from several companies.• Ask if the plan is pre-packaged or if you can create your own.• Ask if you are covered for cancellation due illness or natural disaster. • Don't assume the company will provide you any information.
Lost LuggageTravel insurance can reimburse you for lost luggage, including the contents of the baggage. Airlines will only reimburse the contents of lost luggage if you present proof of purchase for the items listed. According to the Air Transport Users Council (AUC), airlines mishandled 42 million bags in 2007, up from 30 million in 2005. The numbers are not in the travelers favor, without travel insurance. The AUC says travelers are often inadequately compensated for lost luggage. You must report the lost luggage or personal items to local authorities and the airline within 12 hours. Medical CoverageIf there is a medical emergency, you do not have to worry about whether the doctor you see is in-network. Travel insurance provides coverage for doctor visits, emergency services and hospitalization. Travel insurance also provides services such as an emergency hotline and medical transportation. You can call an emergency number 24 hours a day, 7 days a week while overseas, and speak with a professional. Accident CoverageIf an accident were to occur in a foreign country, travel insurance will cover the cost. The insurance will cover medical expenses related to injury sustained. Travel insurance will also take care of reasonable legal liability as a result of the accident. Cancellation, Delay or InterruptionCancellation, delay or interruption of your vacation will be compensated. Circumstances for this coverage include, but are not limited to: transportation provider interruptions, natural disasters, illness and situations out of your control.
Travel insurance, by design, covers most situations you may face while traveling.
Situations to Consider• A hurricane forces you to evacuate your resort, hotel or cruise.• Your flight is cancelled or delayed more than 12 hours. • Your baggage is lost with your medication and you need to have an emergency prescription filled. • Your passport is stolen and you need an emergency replacement passport. • Your cruise line, airline or tour operator goes bankrupt. • You need medical attention in a foreign country.
Preparing to Buy• Always get quotes from several companies.• Ask if the plan is pre-packaged or if you can create your own.• Ask if you are covered for cancellation due illness or natural disaster. • Don't assume the company will provide you any information.
Lost LuggageTravel insurance can reimburse you for lost luggage, including the contents of the baggage. Airlines will only reimburse the contents of lost luggage if you present proof of purchase for the items listed. According to the Air Transport Users Council (AUC), airlines mishandled 42 million bags in 2007, up from 30 million in 2005. The numbers are not in the travelers favor, without travel insurance. The AUC says travelers are often inadequately compensated for lost luggage. You must report the lost luggage or personal items to local authorities and the airline within 12 hours. Medical CoverageIf there is a medical emergency, you do not have to worry about whether the doctor you see is in-network. Travel insurance provides coverage for doctor visits, emergency services and hospitalization. Travel insurance also provides services such as an emergency hotline and medical transportation. You can call an emergency number 24 hours a day, 7 days a week while overseas, and speak with a professional. Accident CoverageIf an accident were to occur in a foreign country, travel insurance will cover the cost. The insurance will cover medical expenses related to injury sustained. Travel insurance will also take care of reasonable legal liability as a result of the accident. Cancellation, Delay or InterruptionCancellation, delay or interruption of your vacation will be compensated. Circumstances for this coverage include, but are not limited to: transportation provider interruptions, natural disasters, illness and situations out of your control.
Make Your Health Insurance Plan Work for You by Beck
No matter how avidly you take care of your health, there are unexpected circumstances that can land you a day or two in the hospital. If you are not prepared and you do not have enough health insurance coverage, this can cut a great deal with your savings. Thus, it is very important that you choose the best health insurance plan that can help you in case of an emergency.
First, check out all the health insurance options that you have. Consider your family's health needs as well when signing-up for an insurance plan. There are two types of health insurance plan that you can sign-up for: private and government health insurance options. The private health insurance is personally signed-up for by an individual. You will also have a health insurance plan when you are employed. The company will provide you with coverage as part of your employee benefits.
The health insurance coverage provided by the government may be offered on a local, state or national level. Medicare is an example of a health insurance plan offered on a national level. Medicare benefits are available for people who are over 65 years of age, and to persons with disabilities. Other government-initiated health insurance programs include: Medicaid, the State Children's Health Insurance Program, health care benefits for the veterans and military, as well as eligible American Indians.
If you want to sign-up for a private health insurance plan, learn everything that you need to know about the coverage stipulated on your contract. Read the coverage information and check the sections stating the exclusions. Avoid signing up for one which has a long list of exclusions that would not cover much of anything. More importantly, make sure that you have a copy of every contract that you will sign. See to it that your personal information is correct and make a note of the coverage period. All in all, make sure that you have ample health insurance coverage for you to use whenever you need it.
Find More Free Tips Here!
www.theadsensemasters.com
First, check out all the health insurance options that you have. Consider your family's health needs as well when signing-up for an insurance plan. There are two types of health insurance plan that you can sign-up for: private and government health insurance options. The private health insurance is personally signed-up for by an individual. You will also have a health insurance plan when you are employed. The company will provide you with coverage as part of your employee benefits.
The health insurance coverage provided by the government may be offered on a local, state or national level. Medicare is an example of a health insurance plan offered on a national level. Medicare benefits are available for people who are over 65 years of age, and to persons with disabilities. Other government-initiated health insurance programs include: Medicaid, the State Children's Health Insurance Program, health care benefits for the veterans and military, as well as eligible American Indians.
If you want to sign-up for a private health insurance plan, learn everything that you need to know about the coverage stipulated on your contract. Read the coverage information and check the sections stating the exclusions. Avoid signing up for one which has a long list of exclusions that would not cover much of anything. More importantly, make sure that you have a copy of every contract that you will sign. See to it that your personal information is correct and make a note of the coverage period. All in all, make sure that you have ample health insurance coverage for you to use whenever you need it.
Find More Free Tips Here!
www.theadsensemasters.com
The Highest Paid IT Jobs in London by Sarah Maple
With the credit crunch in full swing, finding a new job will be the last thing on many people's minds, but at the front of many others. Luckily, if you are looking for IT jobs the sector has not been hit so badly, and speculators are claiming that some aspects of the industry (such as digital marketing) are set to benefit from the economic downturn. Out of interest, I decided to do a bit of research into the best paid IT jobs available today in and around London, and although the job roles might include some extra duties beyond rebooting dusty PCs, I thought they would make for interesting reading.
Top of the list is Director of Insurance IT Effectiveness at PricewaterhouseCoopers based in the city. It's certainly a big goal to aim for, but if the "competitive" salary doesn't entice you to aim high, then may be the fact that the company is regarded as one of the best places to work in the UK by many (e.g. The Times) will. The company was founded as far back as 1849 and has since grown into one of the world's biggest professional services companies. A job at PwC will put you alongside over 140,000 people worldwide.
Second on the list is by JJ Fox. The UK-wide recruitment agency are on the search for a Quantitative Analyst with an advertised salary at somewhere between £60,000 and £130,000 per annum. This opening is in London, and involves taking an in-house statistics and maths test. A background in financial data will serve you well here, as well as being able to demonstrate a range of programming skills.
The third opening is advertised by the sales recruitment company Robertson and Sumner, and concerns an unnamed IT Vendor. This is a directorial job, hence the £80,000 - £100,000 salary tag, and so is more suitable for someone with an IT background considering a slight change in duty. The company aims to optimise communication and interaction between customers and employees. Alongside obligatory industry knowledge, the job also demands experience in team operation, client communication, and budgeting.
The last high-paid IT job to aspire for in this time of economic crisis is on offer from another recruitment agency, Senitor. This is perhaps more humble at £30,000 per annum, but for a PHP Web Developer with two years experience the offer looks fairly tempting. Experience in SEO, CSS, XHTML, and other web orientated skills will serve you well to join this 'new media' company in this 'new media' age. Those eager for hands-on website building in the capital should certainly apply.
Top of the list is Director of Insurance IT Effectiveness at PricewaterhouseCoopers based in the city. It's certainly a big goal to aim for, but if the "competitive" salary doesn't entice you to aim high, then may be the fact that the company is regarded as one of the best places to work in the UK by many (e.g. The Times) will. The company was founded as far back as 1849 and has since grown into one of the world's biggest professional services companies. A job at PwC will put you alongside over 140,000 people worldwide.
Second on the list is by JJ Fox. The UK-wide recruitment agency are on the search for a Quantitative Analyst with an advertised salary at somewhere between £60,000 and £130,000 per annum. This opening is in London, and involves taking an in-house statistics and maths test. A background in financial data will serve you well here, as well as being able to demonstrate a range of programming skills.
The third opening is advertised by the sales recruitment company Robertson and Sumner, and concerns an unnamed IT Vendor. This is a directorial job, hence the £80,000 - £100,000 salary tag, and so is more suitable for someone with an IT background considering a slight change in duty. The company aims to optimise communication and interaction between customers and employees. Alongside obligatory industry knowledge, the job also demands experience in team operation, client communication, and budgeting.
The last high-paid IT job to aspire for in this time of economic crisis is on offer from another recruitment agency, Senitor. This is perhaps more humble at £30,000 per annum, but for a PHP Web Developer with two years experience the offer looks fairly tempting. Experience in SEO, CSS, XHTML, and other web orientated skills will serve you well to join this 'new media' company in this 'new media' age. Those eager for hands-on website building in the capital should certainly apply.
Why Buy Travel Insurance? by Hugh Mcinnes
Planning every detail of your upcoming trip may not prevent an unexpected mishap. The best way to combat a ruined vacation is to secure adequate foreign country travel insurance.
Travel insurance, by design, covers most situations you may face while traveling.
Situations to Consider• A hurricane forces you to evacuate your resort, hotel or cruise.• Your flight is cancelled or delayed more than 12 hours. • Your baggage is lost with your medication and you need to have an emergency prescription filled. • Your passport is stolen and you need an emergency replacement passport. • Your cruise line, airline or tour operator goes bankrupt. • You need medical attention in a foreign country.
Preparing to Buy• Always get quotes from several companies.• Ask if the plan is pre-packaged or if you can create your own.• Ask if you are covered for cancellation due illness or natural disaster. • Don't assume the company will provide you any information.
Lost LuggageTravel insurance can reimburse you for lost luggage, including the contents of the baggage. Airlines will only reimburse the contents of lost luggage if you present proof of purchase for the items listed. According to the Air Transport Users Council (AUC), airlines mishandled 42 million bags in 2007, up from 30 million in 2005. The numbers are not in the travelers favor, without travel insurance. The AUC says travelers are often inadequately compensated for lost luggage. You must report the lost luggage or personal items to local authorities and the airline within 12 hours. Medical CoverageIf there is a medical emergency, you do not have to worry about whether the doctor you see is in-network. Travel insurance provides coverage for doctor visits, emergency services and hospitalization. Travel insurance also provides services such as an emergency hotline and medical transportation. You can call an emergency number 24 hours a day, 7 days a week while overseas, and speak with a professional. Accident CoverageIf an accident were to occur in a foreign country, travel insurance will cover the cost. The insurance will cover medical expenses related to injury sustained. Travel insurance will also take care of reasonable legal liability as a result of the accident. Cancellation, Delay or InterruptionCancellation, delay or interruption of your vacation will be compensated. Circumstances for this coverage include, but are not limited to: transportation provider interruptions, natural disasters, illness and situations out of your control.
Travel insurance, by design, covers most situations you may face while traveling.
Situations to Consider• A hurricane forces you to evacuate your resort, hotel or cruise.• Your flight is cancelled or delayed more than 12 hours. • Your baggage is lost with your medication and you need to have an emergency prescription filled. • Your passport is stolen and you need an emergency replacement passport. • Your cruise line, airline or tour operator goes bankrupt. • You need medical attention in a foreign country.
Preparing to Buy• Always get quotes from several companies.• Ask if the plan is pre-packaged or if you can create your own.• Ask if you are covered for cancellation due illness or natural disaster. • Don't assume the company will provide you any information.
Lost LuggageTravel insurance can reimburse you for lost luggage, including the contents of the baggage. Airlines will only reimburse the contents of lost luggage if you present proof of purchase for the items listed. According to the Air Transport Users Council (AUC), airlines mishandled 42 million bags in 2007, up from 30 million in 2005. The numbers are not in the travelers favor, without travel insurance. The AUC says travelers are often inadequately compensated for lost luggage. You must report the lost luggage or personal items to local authorities and the airline within 12 hours. Medical CoverageIf there is a medical emergency, you do not have to worry about whether the doctor you see is in-network. Travel insurance provides coverage for doctor visits, emergency services and hospitalization. Travel insurance also provides services such as an emergency hotline and medical transportation. You can call an emergency number 24 hours a day, 7 days a week while overseas, and speak with a professional. Accident CoverageIf an accident were to occur in a foreign country, travel insurance will cover the cost. The insurance will cover medical expenses related to injury sustained. Travel insurance will also take care of reasonable legal liability as a result of the accident. Cancellation, Delay or InterruptionCancellation, delay or interruption of your vacation will be compensated. Circumstances for this coverage include, but are not limited to: transportation provider interruptions, natural disasters, illness and situations out of your control.
Sunday, April 5, 2009
How to Collect on Lost Life Insurance Policies
A relative has just died. He had a life insurance policy with you listed as the beneficiary. There's just one problem: the life insurance policy is missing. You have no idea which insurance company wrote it. If you find the missing life insurance policy in the future, are you still eligible to receive the death benefit? Hope they paid their insurance billsIf you're a beneficiary and you find the lost life insurance policy shortly after the insured dies (within six months to a year, for example), claiming the death benefit should be trouble-free. First, determine if the insured had term or permanent life insurance. If the insured held a term policy, you'll receive the death benefit if he died before the end of the policy term. If he died after the policy expiration date, you would get nothing. If the insured had a permanent life policy, you'll receive the money if the death occurred while the policy was "in force," meaning all premium payments were made up until the time of death. If the death was a while ago, you'll receive the benefit with interest from the date of death. If the life insurance policy lapsed — meaning the insured stopped making premium payments before he died — there's a chance you might get nothing. When a permanent life insurance policy lapses, most insurance companies switch its status from permanent insurance to one of two options: "Extended term" — The insurance company uses the cash value of the policy to buy a term life insurance policy for the same death benefit using the cash value of the policy. The death benefit will continue for the longest period the cash value will purchase. "Reduced paid up" — The insurance company will keep the policy in force permanently, but will reduce the death benefit. Gerry Brogla, an actuary for State Farm, says in the majority of the cases at his company, the permanent policy continues as extended term if it lapses. At State Farm, extended term is the default option for most permanent policies.If the policy lapses, and the extended-term period expires before the insured dies, the policy is worthless and the life insurance beneficiary will get nothing. If the insured dies before the extended-term period is up, the beneficiary will receive the death benefit. If the policy lapsed because the insured died (thus ending premium payments and causing the insurance to be placed in extended-term status), the beneficiary will still collect the full death benefit, regardless of when the extended term was up. The beneficiary always needs to supply the insurance company with a death certificate to verify the date of death.There is no time limit during which a life insurance beneficiary must step forward to collect the money, according to Jack Dolan, spokesman for the American Council of Life Insurers. "If a person shows up 30 years after [the insured's] death, the company still makes good on it," Dolan assures. What happens if no one ever reports the death?If the insured dies and the insurance company does not learn of the death, the policy lapses. Insurance companies will take steps to find out why a policyholder stopped making payments. When an insurance company stops getting payments, it sends letters to the insured informing him the policy may lapse as a result of unpaid premiums. If the letters go unanswered, the company might initiate a search to find the insured. If that comes up empty, the company will then lapse the policy.If a beneficiary to a policy never steps forward, it unfortunately means the insured paid money to a policy throughout his life and his beneficiaries never see a penny. This is why its a good idea to make sure beneficiaries are aware of any life insurance policies you have.If you're lucky, the state may have your moneyIn some cases when a beneficiary fails to claim a death benefit for several years, the money is transferred to the state where the insurance policy was purchased under the escheat laws.If a company knows an insured died and it cannot find the beneficiary, it must turn the full death benefit over to the state comptroller's department within three to five years of the insured's death. The money is transferred to the state where the insured bought the policy. The money is considered "unclaimed property" and gets lumped in with dormant bank accounts and uncollected rent deposits. The comptroller's department maintains a database that lists the names and addresses of lost life insurance beneficiaries. Many states will try to contact life insurance beneficiaries in an effort to pay the death benefits. In Texas, for example, the names and addresses of the beneficiaries are published annually in each county in the state. In New York, the Web site of the New York State Comptroller's Office of Unclaimed Funds has an online search to find any unclaimed death benefits owed to you. You can find out the procedures in your state by contacting the office of your state comptroller or treasurer.Keep in mind your chances of finding the policy with the state are slim. The insurance company has no obligation to hand the money over to the state if it's unaware the insured died. In most cases, it's the beneficiary who contacts the insurance company. Also, the insurer only transfers the money to the state three to five years after it cannot find the beneficiary but knows the insured died. If the state doesn't have the death benefit, it's likely the insurer is still looking for the beneficiary or doesn't know the policyholder has died.Unclaimed death benefits are rarely transferred to the state. Dave Potter, a spokesman for Hartford Life, says less than 1 percent of his company's death benefits go unclaimed.Del Chance, a life insurance claims manager at State Farm, says, "Turning over life policy benefits to an individual state after the death of an insured is extremely rare. State Farm utilizes their own search techniques as well as outside vendors to locate lost beneficiaries in the event of the death of one of our insureds. By and large these procedures have always located the beneficiary.Tips for making sure your life insurance beneficiaries get your death benefit:1. Give your beneficiaries your policy information. It can be a difficult and awkward conversation, but an important one.2. Keep all your financial records (especially your life insurance policies) in one place. Don't force your beneficiaries to search your house from top to bottom after you die.Tips for looking for lost life insurance policies:1. Go through canceled checks or contact your relative's bank for copies of old checks. Look for checks made out to insurance companies.2. Ask those who may have known about your relative's finances. Speak with the relative's lawyer, banker or accountant. Also contact the relative's insurance agent.3. Contact your relative's past employers. They might know of possible group life insurance. The insured might have also purchased supplemental life insurance through work.4. Check the mail for a year. Premium bills and policy-status notices are usually sent annually.5. Look at income tax returns for the past two years. Check for interest income from policies or expenses paid to life insurance companies.6. Contact the Medical Information Bureau. If your relative bought life insurance fairly recently, there might be a trail of the companies to which he applied. The Medical Information Bureau (MIB) maintains a database that might show if insurers requested your relative's medical information within the past seven years. Record searches can be requested through the MIB's Policy Locator Service and cost $75. The MIB says that nearly 30 percent of searches turn up leads.
Preventing Teen Drunk Driving by Maria Palma
Were you aware that motor vehicle crashes are the number one killer of teenagers in America? According to the National Highway Traffic Safety Administration (NHTSA), motor vehicle crashes are the leading cause of youth deaths, aged 15 to 20 years. In the United States, 1 in 4 crash fatalities involve a person 16 to 24 years old, nearly twice as high as other age groups.
In the United States, 12.8% of all fatal traffic crashes were alcohol-related. Of that number 40% involved teenagers driving while under the influence alcohol.
A study conducted by Allstate Insurance Company in December 2008 revealed the top ten deadliest cities for teen car crashes during New Year's Eve and New Year's Day. This is a time when most people celebrate and drink alcohol, including teenagers.
The top deadliest cities for teen car crashes include:
* Jacksonville, Florida* Columbus, Ohio* Birmingham, Alabama* Orlando, Florida* Phoenix, Arizona* Las Vegas, Nevada* Philadelphia, Pennsylvania* Richmond, Virginia* Sacramento, California* St. Louis, Missouri
If you are a parent with a teenage driver, it's highly advisable to talk with your teen about the importance of safe driving. Studies have shown that teens whose parents talk to them about alcohol use are far less likely to drink than teens whose parents do not talk about the issue with them.
To prevent drunk driving in teenagers, people have proposed that the government should pass graduated driver licensing (GDL) laws. These laws include establishing longer periods of supervised driving, limits on late-night driving, and cell phone bans for teen drivers.
The problem of teen drunk driving hasn't received enough attention. It's up to parents and communities to become more involved in spreading the word and educating teens about the dangers of drunk driving.
In the United States, 12.8% of all fatal traffic crashes were alcohol-related. Of that number 40% involved teenagers driving while under the influence alcohol.
A study conducted by Allstate Insurance Company in December 2008 revealed the top ten deadliest cities for teen car crashes during New Year's Eve and New Year's Day. This is a time when most people celebrate and drink alcohol, including teenagers.
The top deadliest cities for teen car crashes include:
* Jacksonville, Florida* Columbus, Ohio* Birmingham, Alabama* Orlando, Florida* Phoenix, Arizona* Las Vegas, Nevada* Philadelphia, Pennsylvania* Richmond, Virginia* Sacramento, California* St. Louis, Missouri
If you are a parent with a teenage driver, it's highly advisable to talk with your teen about the importance of safe driving. Studies have shown that teens whose parents talk to them about alcohol use are far less likely to drink than teens whose parents do not talk about the issue with them.
To prevent drunk driving in teenagers, people have proposed that the government should pass graduated driver licensing (GDL) laws. These laws include establishing longer periods of supervised driving, limits on late-night driving, and cell phone bans for teen drivers.
The problem of teen drunk driving hasn't received enough attention. It's up to parents and communities to become more involved in spreading the word and educating teens about the dangers of drunk driving.
Plan Not To Be Gouged By Estate Taxes in 2011 by Shane Flait
Just because the Estate Tax has been phased out in 2010, don't be lulled into thinking it won't be back with a vengeance. On the books, it's slated to return with only a $1 million exemption. Efforts to get rid of it altogether have failed. The government will be looking for more money anyway now anyway. The following give you the full picture and how to prepare for it.
The estate tax is the government's last bite out of you when you die. It's a tax on the value of your estate at your death. And your estate is anything you own and in which you had an interest at the time of death. It can also include the value of certain property you transferred within 3 years before your death.
This graduated tax is imposed on the value of your estate in excess of whatever this year's estate exclusion level - if you die this year. And the tax rates here starts at 20% and rise fast to 45% or higher!
If you're leaving an on-going business as part of your estate and have no cash to pay the estate tax, the business can be dismantled to pay it. This is true for almost anything you own. The 2001 Tax Act1 broke apart the unified estate and gift tax scheme and left us with a confusing and unpredictable estate tax arrangement that undermines long term planning. The estate tax has been in the process of being phased out since then. Each year, rates have been lowered or estate tax exclusion levels have risen.
For 2009, the highest estate tax rate is 45% with a $3.5 million exclusion level. And in 2010 no estate tax exists. Originally, it was hoped that that would continue indefinitely. But that just isn't going to happen.
The increasing estate tax exclusion levels through 2010 will keep a lot of Americans free from estate tax without much planning. But if you have or control a lot of wealth or a business of substantial value, you may want to take steps to either forego ownership to reduce your estate or buy life insurance to handle estate taxes.
Even though the pre-2001 estate tax is slated to go into effect in 2011, it's not clear whether congress will alter this. Those who die in 2011 are slated to pay have only a $1 million estate tax exclusion level and up to a 55% estate tax rate imposed on them.
Most in congress favour keeping the Estate Tax but they're arguing over how high the exemption level should be. With 2011 less than 2 years away, congress just can't get its act together.
Originally, the estate tax was aimed only at the very wealthy and not the average citizen. But it'll be hitting the average citizen in 2011. That's because it won't be hard for the average citizen's holding to go beyond the $1 million exclusion level. Many estates will surpass it by virtue of house values alone having risen so high over the last 10 years.
Of course, if you're married and die before your spouse, you can leave all your wealth to her without paying estate tax by using the 'unlimited' marital deduction from your gross estate. But, unfortunately, that'll leave her estate that much bigger by the time she's dies. And then the wealth will be taxed before going to your kids.
You should surely use your own estate tax exclusion level to shelter some of the wealth you have when you die. You can do so by arranging to transfer at least that exclusion level amount to a trust with your kids as eventual beneficiaries. Beyond that, you can give the rest to your spouse. That 'estate tax exclusion level' trust' can still help your surviving spouse with money needs before she dies.
So be prepared for the coming Estate Tax in 2011.
The estate tax is the government's last bite out of you when you die. It's a tax on the value of your estate at your death. And your estate is anything you own and in which you had an interest at the time of death. It can also include the value of certain property you transferred within 3 years before your death.
This graduated tax is imposed on the value of your estate in excess of whatever this year's estate exclusion level - if you die this year. And the tax rates here starts at 20% and rise fast to 45% or higher!
If you're leaving an on-going business as part of your estate and have no cash to pay the estate tax, the business can be dismantled to pay it. This is true for almost anything you own. The 2001 Tax Act1 broke apart the unified estate and gift tax scheme and left us with a confusing and unpredictable estate tax arrangement that undermines long term planning. The estate tax has been in the process of being phased out since then. Each year, rates have been lowered or estate tax exclusion levels have risen.
For 2009, the highest estate tax rate is 45% with a $3.5 million exclusion level. And in 2010 no estate tax exists. Originally, it was hoped that that would continue indefinitely. But that just isn't going to happen.
The increasing estate tax exclusion levels through 2010 will keep a lot of Americans free from estate tax without much planning. But if you have or control a lot of wealth or a business of substantial value, you may want to take steps to either forego ownership to reduce your estate or buy life insurance to handle estate taxes.
Even though the pre-2001 estate tax is slated to go into effect in 2011, it's not clear whether congress will alter this. Those who die in 2011 are slated to pay have only a $1 million estate tax exclusion level and up to a 55% estate tax rate imposed on them.
Most in congress favour keeping the Estate Tax but they're arguing over how high the exemption level should be. With 2011 less than 2 years away, congress just can't get its act together.
Originally, the estate tax was aimed only at the very wealthy and not the average citizen. But it'll be hitting the average citizen in 2011. That's because it won't be hard for the average citizen's holding to go beyond the $1 million exclusion level. Many estates will surpass it by virtue of house values alone having risen so high over the last 10 years.
Of course, if you're married and die before your spouse, you can leave all your wealth to her without paying estate tax by using the 'unlimited' marital deduction from your gross estate. But, unfortunately, that'll leave her estate that much bigger by the time she's dies. And then the wealth will be taxed before going to your kids.
You should surely use your own estate tax exclusion level to shelter some of the wealth you have when you die. You can do so by arranging to transfer at least that exclusion level amount to a trust with your kids as eventual beneficiaries. Beyond that, you can give the rest to your spouse. That 'estate tax exclusion level' trust' can still help your surviving spouse with money needs before she dies.
So be prepared for the coming Estate Tax in 2011.
How to Recover Your Lost Computer Files - Inexpensively and Easily by Erick Simpson
We maintain our computers similarly to how we maintain our own health - rarely do we take the time to learn about preventing health complications, and instead work to repair our health once we've become ill! We take care of our computers the same way, in that we rarely think about the safety or well-being of our data until something happens that leads to data loss or corruption.
Have you ever taken a moment to imagine what would happen if you lost some or all of your computer files? Whether you only use your computer for personal reasons; or for school or work, file or data loss can be devastating! Think of all of those family photographs, music files or class assignments! Think of the report you spent weeks working on. Some files can be replaced with time and effort, while others (particularly your photos or home videos) cannot.
Numerous reports tell us that over a third of computer users don't back up their files; and of those that actually do perform some data backup - 76% of people don't do it often enough.
Most people tend to think computer files are lost only due to catastrophic events - like tornadoes and hurricanes. Don't forget about slightly more common events, including fire, flood or computer viruses. A computer "disaster" does not necessarily have to be one from Mother Nature, either. Suppose you dropped your laptop down the stairs or spilled your coffee on the keyboard?
Losing personal files is devastating because of their sentimental value - while business owners who rely on content and files can consider the loss of data fatal to their business if they don't have a data backup plan in place.
Before Disaster Strikes
Just like many human health issues can be prevented with proper diet and care, having a complete backup plan in place can prevent disaster from occurring to your precious data. Data backup isn't as complicated or expensive as you might believe. It is far easier to back up your files to be able to restore them after something damages your computer, than it is to recover them after disaster strikes. Consider a data backup plan to be your computer's insurance policy!
Picking Up The Pieces
If you've already experienced the loss of data and you hadn't backed up your data and files, you'll need to use data recovery services to recover as much of the lost information as possible. Data recovery makes it possible to save some of the data from damaged, corrupted or failed storage devices, but it's expensive, and you may never recover 100% of the data you've lost.
Data Backup and Recovery Solution
Your best solution is to use a remote data backup system. This will backup and store your data files and information at regularly scheduled intervals to an online data store accessed via the web. Your backed-up information can then be restored to any computer if your computer's hard disk fails, or if it has been attacked by a virus, or physically damaged. Some people back up their files to CDs or flash drives - and then keep these storage devices in the same location as the computer. If there is a natural disaster, chances are the computer and the backup copies will be ruined.
Remote data backup services exist for both personal computer users and businesses of all sizes. Prices range from very reasonable to very expensive - based on how much storage you require and other factors. Prevention is the best medicine - give yourself peace of mind with a data backup insurance policy for your computer files.
Have you ever taken a moment to imagine what would happen if you lost some or all of your computer files? Whether you only use your computer for personal reasons; or for school or work, file or data loss can be devastating! Think of all of those family photographs, music files or class assignments! Think of the report you spent weeks working on. Some files can be replaced with time and effort, while others (particularly your photos or home videos) cannot.
Numerous reports tell us that over a third of computer users don't back up their files; and of those that actually do perform some data backup - 76% of people don't do it often enough.
Most people tend to think computer files are lost only due to catastrophic events - like tornadoes and hurricanes. Don't forget about slightly more common events, including fire, flood or computer viruses. A computer "disaster" does not necessarily have to be one from Mother Nature, either. Suppose you dropped your laptop down the stairs or spilled your coffee on the keyboard?
Losing personal files is devastating because of their sentimental value - while business owners who rely on content and files can consider the loss of data fatal to their business if they don't have a data backup plan in place.
Before Disaster Strikes
Just like many human health issues can be prevented with proper diet and care, having a complete backup plan in place can prevent disaster from occurring to your precious data. Data backup isn't as complicated or expensive as you might believe. It is far easier to back up your files to be able to restore them after something damages your computer, than it is to recover them after disaster strikes. Consider a data backup plan to be your computer's insurance policy!
Picking Up The Pieces
If you've already experienced the loss of data and you hadn't backed up your data and files, you'll need to use data recovery services to recover as much of the lost information as possible. Data recovery makes it possible to save some of the data from damaged, corrupted or failed storage devices, but it's expensive, and you may never recover 100% of the data you've lost.
Data Backup and Recovery Solution
Your best solution is to use a remote data backup system. This will backup and store your data files and information at regularly scheduled intervals to an online data store accessed via the web. Your backed-up information can then be restored to any computer if your computer's hard disk fails, or if it has been attacked by a virus, or physically damaged. Some people back up their files to CDs or flash drives - and then keep these storage devices in the same location as the computer. If there is a natural disaster, chances are the computer and the backup copies will be ruined.
Remote data backup services exist for both personal computer users and businesses of all sizes. Prices range from very reasonable to very expensive - based on how much storage you require and other factors. Prevention is the best medicine - give yourself peace of mind with a data backup insurance policy for your computer files.
Health Insurance vs Health Discount Programs: Compared and Contrasted by John S. Houston
Many people feel traditional health insurance is the only way to deal with the cost of doctors, hospitals, pharmacies and all that goes into providing our families with good health care. In the last few decades there has emerged a couple of good Health Discount Programs which for many is a viable, and much more affordable, alternative. In mid-March 2009 CNN reported that 18% of Americans under age 65 were without health coverage. We know from previous news reporting -and campaign stump speeches- this amounts to approximately 47 million US citizens out of a total population of just over 300 million. 25% say cost is the most urgent health care issue after cancer.
Traditional health insurance is typically provided through an employer and covers the employee's family. What's good about these plans is that they automatically accept anyone who is a dependent or family member of the employee without regard for pre-existing conditions, previous medical history or any other condition that might prove expensive to the insurance company. That is to say, those covered do not have to undergo underwriting....the process by which the insurance company assesses your risk. Another benefit is that the employer usually pays a hefty portion of the cost. The average American worker pays $1,946/yr for his/her coverage. These plans enable the employee's family to contain medical costs as they are typically liable only for co-pays and deductibles. Many of the more expensive procedures such as MRIs and CatScans need to be pre-approved, unless performed under emergency circumstances e.g you're wheeled into the ER as a result of an auto accident. If you're fortunate enough to have this coverage, great. Unemployment in the US is now at 8.5% nationally. More and more people are losing their jobs in this recession. Health coverage is just one of the casualties. Yes, you normally have the option of COBRA, but that is enormously expensive.
One alternative worth looking at is health discount programs (HDPs). These programs are not insurance. Depending on what you choose to purchase they can provide reduced costs for doctors, hospitals, prescriptions - even dental, vision and chiropractic care. These are also available with no underwriting - no exclusions for pre-existing conditions. Also included are ancillary services such as diagnostic tests, laboratory procedures, physical therapy, imaging (MRIs, etc) hearing and mental health services and diabetic supplies...a pretty comprehensive range. You could see discounts of 40% on doctors visits and 60% or more on laboratory tests. Prescription savings can range up to 85% on both generic and brand medications. Many HDPs include a hospital advocacy program where an advocate is assigned to negotiate with the hospital to give you the best possible fees. In some cases these have been reduced to zero. Yes, you have to use a network of providers - that is to say doctors, dentists, hospitals, etc who have agreed to charge members these lower fees. You might be surprised how many providers participate in these programs. Every HDP has a website that makes it easy to find providers. And you don't have to live in or near a major metropolitan area to find participating providers. The best part is these health discount programs can provide benefits to an entire household for about $40 a month. Try finding a COBRA premium like that! If you are at risk of losing your traditional health coverage, if you are under-insured, or without insurance altogether - you ought to consider a health discount plan.
Traditional health insurance is typically provided through an employer and covers the employee's family. What's good about these plans is that they automatically accept anyone who is a dependent or family member of the employee without regard for pre-existing conditions, previous medical history or any other condition that might prove expensive to the insurance company. That is to say, those covered do not have to undergo underwriting....the process by which the insurance company assesses your risk. Another benefit is that the employer usually pays a hefty portion of the cost. The average American worker pays $1,946/yr for his/her coverage. These plans enable the employee's family to contain medical costs as they are typically liable only for co-pays and deductibles. Many of the more expensive procedures such as MRIs and CatScans need to be pre-approved, unless performed under emergency circumstances e.g you're wheeled into the ER as a result of an auto accident. If you're fortunate enough to have this coverage, great. Unemployment in the US is now at 8.5% nationally. More and more people are losing their jobs in this recession. Health coverage is just one of the casualties. Yes, you normally have the option of COBRA, but that is enormously expensive.
One alternative worth looking at is health discount programs (HDPs). These programs are not insurance. Depending on what you choose to purchase they can provide reduced costs for doctors, hospitals, prescriptions - even dental, vision and chiropractic care. These are also available with no underwriting - no exclusions for pre-existing conditions. Also included are ancillary services such as diagnostic tests, laboratory procedures, physical therapy, imaging (MRIs, etc) hearing and mental health services and diabetic supplies...a pretty comprehensive range. You could see discounts of 40% on doctors visits and 60% or more on laboratory tests. Prescription savings can range up to 85% on both generic and brand medications. Many HDPs include a hospital advocacy program where an advocate is assigned to negotiate with the hospital to give you the best possible fees. In some cases these have been reduced to zero. Yes, you have to use a network of providers - that is to say doctors, dentists, hospitals, etc who have agreed to charge members these lower fees. You might be surprised how many providers participate in these programs. Every HDP has a website that makes it easy to find providers. And you don't have to live in or near a major metropolitan area to find participating providers. The best part is these health discount programs can provide benefits to an entire household for about $40 a month. Try finding a COBRA premium like that! If you are at risk of losing your traditional health coverage, if you are under-insured, or without insurance altogether - you ought to consider a health discount plan.
Additional Tax Deductions for Homeowners by Jonathon Bryant
Everyone knows that the interest you pay on your home loan is deductable. Are you aware that there are additional tax deductions that you can take on your principal residence or your second home? Some examples are your property taxes, and in some instances, for Mortgage Insurance. You will certainly want to talk to a tax professional before doing anything, however some points to ask about include:Possible Tax Deductions You Haven't Taken Advantage Of:Property Taxes. If you purchased your house in 2008, it's possible that you're allowed to deduct more than you realize. Make sure to remember to include real estate taxes you reimbursed to the seller - the reason is that these are taxes the seller already paid for the time you were actually the owner of the place after your purchase. That full amount will be shown on the settlement statement.Property taxes for taxpayers who opt to not itemize. Something new for the 2008 tax year; if you do not itemize deductions in 2008, you're allowed to increase your standard deduction by as much as $500 of real estate taxes paid in that year if you're filing as a single person, or by as much as $1,000 of property taxes paid if you're filing jointly.Mortgage interest paid on your primary residence, as well as any secondary residence you might own. (There are limits, but not many taxpayers actually are affected.)The interest on as much as $100,000 borrowed on a home-equity-loan or line of credit (HELOC), regardless of the reason for the loan.Points that were paid when you purchased the home (including those that you might have convinced the seller to pay for you).The premiums paid for Private Mortgage Insurance (PMI) in '08, but only for policies issued after '06. (The right to this deduction is going to disappear as Adjusted Gross Income goes up from $100,000 to $110,000 on a joint return, and from $50,000 to $55,000 for single returns.)Any home improvements necessary because of medical care.How much can you save?There are many factors that go into figuring out exactly how much money you will save:Your filing status (single, head of household, married filing jointly, married filing separately)The amount of your standard deductionAdditional itemized deductions you may have The amount of taxable income you showYour deductions that are home-related, in addition to your other itemized deductions, must total more than the standard deduction (increased by the amount of property taxes noted earlier that are allowed to non-itemizers), or else they won't save you money.What am I not allowed to deduct? You can not deduct the following payments on your primary residence:
Home Owners Association duesInsurance on your homeAppraisal fees paid for your homeCosts of improvements to your house. (But hang on to those receipts. They might help you minimize your taxes when/if you decide to sell your place.)Always remember be sure to consult witha tax professional. For additional information about home ownership in the Denver area, help with a Denver home mortgage purchase loan or Denver refinancing, visit this site: http://denverhomemortgageassistance.com/
Home Owners Association duesInsurance on your homeAppraisal fees paid for your homeCosts of improvements to your house. (But hang on to those receipts. They might help you minimize your taxes when/if you decide to sell your place.)Always remember be sure to consult witha tax professional. For additional information about home ownership in the Denver area, help with a Denver home mortgage purchase loan or Denver refinancing, visit this site: http://denverhomemortgageassistance.com/
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